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$88,668
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$91,426
−HK$2,803/mo
Today · 4.125%
HK$94,229
baseline
▲ 0.50% · 4.625%
HK$99,962
+HK$5,733/mo
Deposit HK$19.44M · loan HK$19.44M · min. income ≈ HK$188,458/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,652,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,643
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$101,288
−HK$2,684/mo
Today · 4.125%
HK$103,972
baseline
▲ 0.50% · 4.625%
HK$109,453
+HK$5,481/mo
Deposit HK$19.44M · loan HK$19.44M · min. income ≈ HK$207,944/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,652,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,402
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$109,712
−HK$3,362/mo
Today · 4.125%
HK$113,074
baseline
▲ 0.50% · 4.625%
HK$119,955
+HK$6,881/mo
Deposit HK$15.55M · loan HK$23.33M · min. income ≈ HK$226,148/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,652,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,371
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$121,546
−HK$3,220/mo
Today · 4.125%
HK$124,766
baseline
▲ 0.50% · 4.625%
HK$131,343
+HK$6,577/mo
Deposit HK$15.55M · loan HK$23.33M · min. income ≈ HK$249,532/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,652,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,136
−HK$7,784/mo
▼ 0.25% · 3.875%
HK$127,997
−HK$3,923/mo
Today · 4.125%
HK$131,920
baseline
▲ 0.50% · 4.625%
HK$139,947
+HK$8,027/mo
Deposit HK$11.67M · loan HK$27.22M · min. income ≈ HK$263,840/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,100
−HK$7,461/mo
▼ 0.25% · 3.875%
HK$141,803
−HK$3,758/mo
Today · 4.125%
HK$145,561
baseline
▲ 0.50% · 4.625%
HK$153,234
+HK$7,673/mo
Deposit HK$11.67M · loan HK$27.22M · min. income ≈ HK$291,122/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,603
−HK$10,009/mo
▼ 0.25% · 3.875%
HK$164,568
−HK$5,044/mo
Today · 4.125%
HK$169,612
baseline
▲ 0.50% · 4.625%
HK$179,932
+HK$10,320/mo
Deposit HK$3.89M · loan HK$35.00M · min. income ≈ HK$339,224/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,557
−HK$9,593/mo
▼ 0.25% · 3.875%
HK$182,319
−HK$4,831/mo
Today · 4.125%
HK$187,150
baseline
▲ 0.50% · 4.625%
HK$197,015
+HK$9,865/mo
Deposit HK$3.89M · loan HK$35.00M · min. income ≈ HK$374,300/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,624 · Scale 2, in force from 26 Feb 2026)