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$87,613
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$90,338
−HK$2,769/mo
Today · 4.125%
HK$93,107
baseline
▲ 0.50% · 4.625%
HK$98,772
+HK$5,665/mo
Deposit HK$19.21M · loan HK$19.21M · min. income ≈ HK$186,214/mo (50% DSR)
Upfront cash ≈ HK$20.84M (deposit + AVD stamp duty HK$1,632,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,468
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$100,082
−HK$2,652/mo
Today · 4.125%
HK$102,734
baseline
▲ 0.50% · 4.625%
HK$108,149
+HK$5,415/mo
Deposit HK$19.21M · loan HK$19.21M · min. income ≈ HK$205,468/mo (50% DSR)
Upfront cash ≈ HK$20.84M (deposit + AVD stamp duty HK$1,632,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,135
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,405
−HK$3,323/mo
Today · 4.125%
HK$111,728
baseline
▲ 0.50% · 4.625%
HK$118,526
+HK$6,798/mo
Deposit HK$15.37M · loan HK$23.05M · min. income ≈ HK$223,456/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,632,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,962
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$120,099
−HK$3,182/mo
Today · 4.125%
HK$123,281
baseline
▲ 0.50% · 4.625%
HK$129,779
+HK$6,498/mo
Deposit HK$15.37M · loan HK$23.05M · min. income ≈ HK$246,562/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,632,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,658
−HK$7,691/mo
▼ 0.25% · 3.875%
HK$126,473
−HK$3,876/mo
Today · 4.125%
HK$130,349
baseline
▲ 0.50% · 4.625%
HK$138,281
+HK$7,932/mo
Deposit HK$11.53M · loan HK$26.90M · min. income ≈ HK$260,698/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,632,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,455
−HK$7,373/mo
▼ 0.25% · 3.875%
HK$140,115
−HK$3,713/mo
Today · 4.125%
HK$143,828
baseline
▲ 0.50% · 4.625%
HK$151,409
+HK$7,581/mo
Deposit HK$11.53M · loan HK$26.90M · min. income ≈ HK$287,656/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,632,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,703
−HK$9,889/mo
▼ 0.25% · 3.875%
HK$162,608
−HK$4,984/mo
Today · 4.125%
HK$167,592
baseline
▲ 0.50% · 4.625%
HK$177,790
+HK$10,198/mo
Deposit HK$3.84M · loan HK$34.58M · min. income ≈ HK$335,184/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,632,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,443
−HK$9,478/mo
▼ 0.25% · 3.875%
HK$180,148
−HK$4,773/mo
Today · 4.125%
HK$184,921
baseline
▲ 0.50% · 4.625%
HK$194,669
+HK$9,748/mo
Deposit HK$3.84M · loan HK$34.58M · min. income ≈ HK$369,842/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,632,946 · Scale 2, in force from 26 Feb 2026)