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$88,539
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$91,293
−HK$2,798/mo
Today · 4.125%
HK$94,091
baseline
▲ 0.50% · 4.625%
HK$99,817
+HK$5,726/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$188,182/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,650,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,499
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$101,141
−HK$2,680/mo
Today · 4.125%
HK$103,821
baseline
▲ 0.50% · 4.625%
HK$109,293
+HK$5,472/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$207,642/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,650,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,247
−HK$6,663/mo
▼ 0.25% · 3.875%
HK$109,552
−HK$3,358/mo
Today · 4.125%
HK$112,910
baseline
▲ 0.50% · 4.625%
HK$119,780
+HK$6,870/mo
Deposit HK$15.53M · loan HK$23.30M · min. income ≈ HK$225,820/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,650,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,199
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$121,369
−HK$3,216/mo
Today · 4.125%
HK$124,585
baseline
▲ 0.50% · 4.625%
HK$131,152
+HK$6,567/mo
Deposit HK$15.53M · loan HK$23.30M · min. income ≈ HK$249,170/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,650,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,955
−HK$7,773/mo
▼ 0.25% · 3.875%
HK$127,811
−HK$3,917/mo
Today · 4.125%
HK$131,728
baseline
▲ 0.50% · 4.625%
HK$139,743
+HK$8,015/mo
Deposit HK$11.65M · loan HK$27.18M · min. income ≈ HK$263,456/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,650,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,899
−HK$7,450/mo
▼ 0.25% · 3.875%
HK$141,597
−HK$3,752/mo
Today · 4.125%
HK$145,349
baseline
▲ 0.50% · 4.625%
HK$153,010
+HK$7,661/mo
Deposit HK$11.65M · loan HK$27.18M · min. income ≈ HK$290,698/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,650,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,371
−HK$9,994/mo
▼ 0.25% · 3.875%
HK$164,328
−HK$5,037/mo
Today · 4.125%
HK$169,365
baseline
▲ 0.50% · 4.625%
HK$179,670
+HK$10,305/mo
Deposit HK$3.88M · loan HK$34.95M · min. income ≈ HK$338,730/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,650,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,298
−HK$9,579/mo
▼ 0.25% · 3.875%
HK$182,053
−HK$4,824/mo
Today · 4.125%
HK$186,877
baseline
▲ 0.50% · 4.625%
HK$196,728
+HK$9,851/mo
Deposit HK$3.88M · loan HK$34.95M · min. income ≈ HK$373,754/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,650,218 · Scale 2, in force from 26 Feb 2026)