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$88,073
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,813
−HK$2,783/mo
Today · 4.125%
HK$93,596
baseline
▲ 0.50% · 4.625%
HK$99,291
+HK$5,695/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$187,192/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$1,641,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,981
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,609
−HK$2,665/mo
Today · 4.125%
HK$103,274
baseline
▲ 0.50% · 4.625%
HK$108,718
+HK$5,444/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$206,548/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$1,641,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,688
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,976
−HK$3,340/mo
Today · 4.125%
HK$112,316
baseline
▲ 0.50% · 4.625%
HK$119,150
+HK$6,834/mo
Deposit HK$15.45M · loan HK$23.17M · min. income ≈ HK$224,632/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,577
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$120,730
−HK$3,199/mo
Today · 4.125%
HK$123,929
baseline
▲ 0.50% · 4.625%
HK$130,462
+HK$6,533/mo
Deposit HK$15.45M · loan HK$23.17M · min. income ≈ HK$247,858/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,303
−HK$7,732/mo
▼ 0.25% · 3.875%
HK$127,138
−HK$3,897/mo
Today · 4.125%
HK$131,035
baseline
▲ 0.50% · 4.625%
HK$139,008
+HK$7,973/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$262,070/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,173
−HK$7,411/mo
▼ 0.25% · 3.875%
HK$140,852
−HK$3,732/mo
Today · 4.125%
HK$144,584
baseline
▲ 0.50% · 4.625%
HK$152,205
+HK$7,621/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$289,168/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,532
−HK$9,941/mo
▼ 0.25% · 3.875%
HK$163,463
−HK$5,010/mo
Today · 4.125%
HK$168,473
baseline
▲ 0.50% · 4.625%
HK$178,725
+HK$10,252/mo
Deposit HK$3.86M · loan HK$34.76M · min. income ≈ HK$336,946/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,365
−HK$9,529/mo
▼ 0.25% · 3.875%
HK$181,095
−HK$4,799/mo
Today · 4.125%
HK$185,894
baseline
▲ 0.50% · 4.625%
HK$195,693
+HK$9,799/mo
Deposit HK$3.86M · loan HK$34.76M · min. income ≈ HK$371,788/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,534 · Scale 2, in force from 26 Feb 2026)