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$88,098
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,839
−HK$2,784/mo
Today · 4.125%
HK$93,623
baseline
▲ 0.50% · 4.625%
HK$99,319
+HK$5,696/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$187,246/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,641,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,008
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,637
−HK$2,666/mo
Today · 4.125%
HK$103,303
baseline
▲ 0.50% · 4.625%
HK$108,749
+HK$5,446/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$206,606/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,641,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,718
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$109,006
−HK$3,341/mo
Today · 4.125%
HK$112,347
baseline
▲ 0.50% · 4.625%
HK$119,183
+HK$6,836/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$224,694/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,641,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,610
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$120,764
−HK$3,200/mo
Today · 4.125%
HK$123,964
baseline
▲ 0.50% · 4.625%
HK$130,498
+HK$6,534/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$247,928/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,641,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,337
−HK$7,735/mo
▼ 0.25% · 3.875%
HK$127,174
−HK$3,898/mo
Today · 4.125%
HK$131,072
baseline
▲ 0.50% · 4.625%
HK$139,047
+HK$7,975/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$262,144/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,212
−HK$7,413/mo
▼ 0.25% · 3.875%
HK$140,892
−HK$3,733/mo
Today · 4.125%
HK$144,625
baseline
▲ 0.50% · 4.625%
HK$152,248
+HK$7,623/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$289,250/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,577
−HK$9,944/mo
▼ 0.25% · 3.875%
HK$163,509
−HK$5,012/mo
Today · 4.125%
HK$168,521
baseline
▲ 0.50% · 4.625%
HK$178,775
+HK$10,254/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$337,042/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,641,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,415
−HK$9,531/mo
▼ 0.25% · 3.875%
HK$181,146
−HK$4,800/mo
Today · 4.125%
HK$185,946
baseline
▲ 0.50% · 4.625%
HK$195,748
+HK$9,802/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$371,892/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,641,997 · Scale 2, in force from 26 Feb 2026)