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$88,873
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$91,638
−HK$2,809/mo
Today · 4.125%
HK$94,447
baseline
▲ 0.50% · 4.625%
HK$100,193
+HK$5,746/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$188,894/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$1,656,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,871
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$101,522
−HK$2,690/mo
Today · 4.125%
HK$104,212
baseline
▲ 0.50% · 4.625%
HK$109,706
+HK$5,494/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$208,424/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$1,656,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,648
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$109,965
−HK$3,371/mo
Today · 4.125%
HK$113,336
baseline
▲ 0.50% · 4.625%
HK$120,232
+HK$6,896/mo
Deposit HK$15.59M · loan HK$23.39M · min. income ≈ HK$226,672/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,656,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,645
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$121,827
−HK$3,228/mo
Today · 4.125%
HK$125,055
baseline
▲ 0.50% · 4.625%
HK$131,647
+HK$6,592/mo
Deposit HK$15.59M · loan HK$23.39M · min. income ≈ HK$250,110/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,656,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,423
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$128,293
−HK$3,932/mo
Today · 4.125%
HK$132,225
baseline
▲ 0.50% · 4.625%
HK$140,271
+HK$8,046/mo
Deposit HK$11.69M · loan HK$27.28M · min. income ≈ HK$264,450/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,419
−HK$7,478/mo
▼ 0.25% · 3.875%
HK$142,131
−HK$3,766/mo
Today · 4.125%
HK$145,897
baseline
▲ 0.50% · 4.625%
HK$153,588
+HK$7,691/mo
Deposit HK$11.69M · loan HK$27.28M · min. income ≈ HK$291,794/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,972
−HK$10,032/mo
▼ 0.25% · 3.875%
HK$164,948
−HK$5,056/mo
Today · 4.125%
HK$170,004
baseline
▲ 0.50% · 4.625%
HK$180,348
+HK$10,344/mo
Deposit HK$3.90M · loan HK$35.08M · min. income ≈ HK$340,008/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,656,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,967
−HK$9,615/mo
▼ 0.25% · 3.875%
HK$182,740
−HK$4,842/mo
Today · 4.125%
HK$187,582
baseline
▲ 0.50% · 4.625%
HK$197,470
+HK$9,888/mo
Deposit HK$3.90M · loan HK$35.08M · min. income ≈ HK$375,164/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,656,445 · Scale 2, in force from 26 Feb 2026)