The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$87,381
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,099
−HK$2,761/mo
Today · 4.125%
HK$92,860
baseline
▲ 0.50% · 4.625%
HK$98,511
+HK$5,651/mo
Deposit HK$19.16M · loan HK$19.16M · min. income ≈ HK$185,720/mo (50% DSR)
Upfront cash ≈ HK$20.79M (deposit + AVD stamp duty HK$1,628,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,210
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,817
−HK$2,645/mo
Today · 4.125%
HK$102,462
baseline
▲ 0.50% · 4.625%
HK$107,863
+HK$5,401/mo
Deposit HK$19.16M · loan HK$19.16M · min. income ≈ HK$204,924/mo (50% DSR)
Upfront cash ≈ HK$20.79M (deposit + AVD stamp duty HK$1,628,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,857
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$108,119
−HK$3,313/mo
Today · 4.125%
HK$111,432
baseline
▲ 0.50% · 4.625%
HK$118,213
+HK$6,781/mo
Deposit HK$15.33M · loan HK$22.99M · min. income ≈ HK$222,864/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,628,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,652
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$119,781
−HK$3,174/mo
Today · 4.125%
HK$122,955
baseline
▲ 0.50% · 4.625%
HK$129,436
+HK$6,481/mo
Deposit HK$15.33M · loan HK$22.99M · min. income ≈ HK$245,910/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,628,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,333
−HK$7,671/mo
▼ 0.25% · 3.875%
HK$126,138
−HK$3,866/mo
Today · 4.125%
HK$130,004
baseline
▲ 0.50% · 4.625%
HK$137,915
+HK$7,911/mo
Deposit HK$11.50M · loan HK$26.82M · min. income ≈ HK$260,008/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,628,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,094
−HK$7,353/mo
▼ 0.25% · 3.875%
HK$139,744
−HK$3,703/mo
Today · 4.125%
HK$143,447
baseline
▲ 0.50% · 4.625%
HK$151,008
+HK$7,561/mo
Deposit HK$11.50M · loan HK$26.82M · min. income ≈ HK$286,894/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,628,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,285
−HK$9,864/mo
▼ 0.25% · 3.875%
HK$162,178
−HK$4,971/mo
Today · 4.125%
HK$167,149
baseline
▲ 0.50% · 4.625%
HK$177,319
+HK$10,170/mo
Deposit HK$3.83M · loan HK$34.49M · min. income ≈ HK$334,298/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,978
−HK$9,454/mo
▼ 0.25% · 3.875%
HK$179,671
−HK$4,761/mo
Today · 4.125%
HK$184,432
baseline
▲ 0.50% · 4.625%
HK$194,154
+HK$9,722/mo
Deposit HK$3.83M · loan HK$34.49M · min. income ≈ HK$368,864/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,625 · Scale 2, in force from 26 Feb 2026)