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$88,515
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$91,268
−HK$2,798/mo
Today · 4.125%
HK$94,066
baseline
▲ 0.50% · 4.625%
HK$99,789
+HK$5,723/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$188,132/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,649,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,472
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$101,113
−HK$2,679/mo
Today · 4.125%
HK$103,792
baseline
▲ 0.50% · 4.625%
HK$109,263
+HK$5,471/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$207,584/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,649,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,218
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$109,522
−HK$3,357/mo
Today · 4.125%
HK$112,879
baseline
▲ 0.50% · 4.625%
HK$119,747
+HK$6,868/mo
Deposit HK$15.53M · loan HK$23.29M · min. income ≈ HK$225,758/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,649,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,166
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$121,335
−HK$3,215/mo
Today · 4.125%
HK$124,550
baseline
▲ 0.50% · 4.625%
HK$131,116
+HK$6,566/mo
Deposit HK$15.53M · loan HK$23.29M · min. income ≈ HK$249,100/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,649,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,921
−HK$7,771/mo
▼ 0.25% · 3.875%
HK$127,775
−HK$3,917/mo
Today · 4.125%
HK$131,692
baseline
▲ 0.50% · 4.625%
HK$139,705
+HK$8,013/mo
Deposit HK$11.65M · loan HK$27.17M · min. income ≈ HK$263,384/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,649,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,861
−HK$7,448/mo
▼ 0.25% · 3.875%
HK$141,558
−HK$3,751/mo
Today · 4.125%
HK$145,309
baseline
▲ 0.50% · 4.625%
HK$152,968
+HK$7,659/mo
Deposit HK$11.65M · loan HK$27.17M · min. income ≈ HK$290,618/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,649,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,327
−HK$9,991/mo
▼ 0.25% · 3.875%
HK$164,283
−HK$5,035/mo
Today · 4.125%
HK$169,318
baseline
▲ 0.50% · 4.625%
HK$179,621
+HK$10,303/mo
Deposit HK$3.88M · loan HK$34.94M · min. income ≈ HK$338,636/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,249
−HK$9,577/mo
▼ 0.25% · 3.875%
HK$182,003
−HK$4,823/mo
Today · 4.125%
HK$186,826
baseline
▲ 0.50% · 4.625%
HK$196,674
+HK$9,848/mo
Deposit HK$3.88M · loan HK$34.94M · min. income ≈ HK$373,652/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,764 · Scale 2, in force from 26 Feb 2026)