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$88,662
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,420
−HK$2,802/mo
Today · 4.125%
HK$94,222
baseline
▲ 0.50% · 4.625%
HK$99,955
+HK$5,733/mo
Deposit HK$19.44M · loan HK$19.44M · min. income ≈ HK$188,444/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$1,652,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,636
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$101,281
−HK$2,684/mo
Today · 4.125%
HK$103,965
baseline
▲ 0.50% · 4.625%
HK$109,445
+HK$5,480/mo
Deposit HK$19.44M · loan HK$19.44M · min. income ≈ HK$207,930/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$1,652,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,395
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$109,704
−HK$3,362/mo
Today · 4.125%
HK$113,066
baseline
▲ 0.50% · 4.625%
HK$119,946
+HK$6,880/mo
Deposit HK$15.55M · loan HK$23.33M · min. income ≈ HK$226,132/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,652,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,363
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$121,537
−HK$3,221/mo
Today · 4.125%
HK$124,758
baseline
▲ 0.50% · 4.625%
HK$131,334
+HK$6,576/mo
Deposit HK$15.55M · loan HK$23.33M · min. income ≈ HK$249,516/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,652,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,127
−HK$7,784/mo
▼ 0.25% · 3.875%
HK$127,988
−HK$3,923/mo
Today · 4.125%
HK$131,911
baseline
▲ 0.50% · 4.625%
HK$139,937
+HK$8,026/mo
Deposit HK$11.66M · loan HK$27.22M · min. income ≈ HK$263,822/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,090
−HK$7,461/mo
▼ 0.25% · 3.875%
HK$141,794
−HK$3,757/mo
Today · 4.125%
HK$145,551
baseline
▲ 0.50% · 4.625%
HK$153,223
+HK$7,672/mo
Deposit HK$11.66M · loan HK$27.22M · min. income ≈ HK$291,102/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,592
−HK$10,008/mo
▼ 0.25% · 3.875%
HK$164,556
−HK$5,044/mo
Today · 4.125%
HK$169,600
baseline
▲ 0.50% · 4.625%
HK$179,919
+HK$10,319/mo
Deposit HK$3.89M · loan HK$34.99M · min. income ≈ HK$339,200/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,544
−HK$9,593/mo
▼ 0.25% · 3.875%
HK$182,306
−HK$4,831/mo
Today · 4.125%
HK$187,137
baseline
▲ 0.50% · 4.625%
HK$197,001
+HK$9,864/mo
Deposit HK$3.89M · loan HK$34.99M · min. income ≈ HK$374,274/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,508 · Scale 2, in force from 26 Feb 2026)