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$87,712
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,440
−HK$2,772/mo
Today · 4.125%
HK$93,212
baseline
▲ 0.50% · 4.625%
HK$98,884
+HK$5,672/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$186,424/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,634,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,579
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,196
−HK$2,655/mo
Today · 4.125%
HK$102,851
baseline
▲ 0.50% · 4.625%
HK$108,272
+HK$5,421/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$205,702/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,634,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,254
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,528
−HK$3,327/mo
Today · 4.125%
HK$111,855
baseline
▲ 0.50% · 4.625%
HK$118,661
+HK$6,806/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$223,710/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,094
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,235
−HK$3,186/mo
Today · 4.125%
HK$123,421
baseline
▲ 0.50% · 4.625%
HK$129,926
+HK$6,505/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$246,842/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,797
−HK$7,700/mo
▼ 0.25% · 3.875%
HK$126,616
−HK$3,881/mo
Today · 4.125%
HK$130,497
baseline
▲ 0.50% · 4.625%
HK$138,438
+HK$7,941/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$260,994/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,610
−HK$7,381/mo
▼ 0.25% · 3.875%
HK$140,274
−HK$3,717/mo
Today · 4.125%
HK$143,991
baseline
▲ 0.50% · 4.625%
HK$151,581
+HK$7,590/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$287,982/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,882
−HK$9,900/mo
▼ 0.25% · 3.875%
HK$162,793
−HK$4,989/mo
Today · 4.125%
HK$167,782
baseline
▲ 0.50% · 4.625%
HK$177,991
+HK$10,209/mo
Deposit HK$3.85M · loan HK$34.62M · min. income ≈ HK$335,564/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,642
−HK$9,489/mo
▼ 0.25% · 3.875%
HK$180,352
−HK$4,779/mo
Today · 4.125%
HK$185,131
baseline
▲ 0.50% · 4.625%
HK$194,890
+HK$9,759/mo
Deposit HK$3.85M · loan HK$34.62M · min. income ≈ HK$370,262/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,799 · Scale 2, in force from 26 Feb 2026)