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$88,497
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$91,250
−HK$2,797/mo
Today · 4.125%
HK$94,047
baseline
▲ 0.50% · 4.625%
HK$99,769
+HK$5,722/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$188,094/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,649,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,452
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$101,093
−HK$2,678/mo
Today · 4.125%
HK$103,771
baseline
▲ 0.50% · 4.625%
HK$109,241
+HK$5,470/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$207,542/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,649,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,197
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$109,500
−HK$3,356/mo
Today · 4.125%
HK$112,856
baseline
▲ 0.50% · 4.625%
HK$119,723
+HK$6,867/mo
Deposit HK$15.52M · loan HK$23.29M · min. income ≈ HK$225,712/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,649,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,143
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$121,311
−HK$3,214/mo
Today · 4.125%
HK$124,525
baseline
▲ 0.50% · 4.625%
HK$131,089
+HK$6,564/mo
Deposit HK$15.52M · loan HK$23.29M · min. income ≈ HK$249,050/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,649,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,896
−HK$7,769/mo
▼ 0.25% · 3.875%
HK$127,750
−HK$3,915/mo
Today · 4.125%
HK$131,665
baseline
▲ 0.50% · 4.625%
HK$139,677
+HK$8,012/mo
Deposit HK$11.64M · loan HK$27.17M · min. income ≈ HK$263,330/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,833
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$141,530
−HK$3,750/mo
Today · 4.125%
HK$145,280
baseline
▲ 0.50% · 4.625%
HK$152,938
+HK$7,658/mo
Deposit HK$11.64M · loan HK$27.17M · min. income ≈ HK$290,560/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,295
−HK$9,989/mo
▼ 0.25% · 3.875%
HK$164,250
−HK$5,034/mo
Today · 4.125%
HK$169,284
baseline
▲ 0.50% · 4.625%
HK$179,585
+HK$10,301/mo
Deposit HK$3.88M · loan HK$34.93M · min. income ≈ HK$338,568/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,214
−HK$9,574/mo
▼ 0.25% · 3.875%
HK$181,967
−HK$4,821/mo
Today · 4.125%
HK$186,788
baseline
▲ 0.50% · 4.625%
HK$196,634
+HK$9,846/mo
Deposit HK$3.88M · loan HK$34.93M · min. income ≈ HK$373,576/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,433 · Scale 2, in force from 26 Feb 2026)