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$88,381
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,131
−HK$2,793/mo
Today · 4.125%
HK$93,924
baseline
▲ 0.50% · 4.625%
HK$99,639
+HK$5,715/mo
Deposit HK$19.38M · loan HK$19.38M · min. income ≈ HK$187,848/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$1,647,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,323
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,960
−HK$2,676/mo
Today · 4.125%
HK$103,636
baseline
▲ 0.50% · 4.625%
HK$109,098
+HK$5,462/mo
Deposit HK$19.38M · loan HK$19.38M · min. income ≈ HK$207,272/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$1,647,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,058
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$109,357
−HK$3,351/mo
Today · 4.125%
HK$112,708
baseline
▲ 0.50% · 4.625%
HK$119,567
+HK$6,859/mo
Deposit HK$15.50M · loan HK$23.26M · min. income ≈ HK$225,416/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,647,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,988
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$121,153
−HK$3,210/mo
Today · 4.125%
HK$124,363
baseline
▲ 0.50% · 4.625%
HK$130,918
+HK$6,555/mo
Deposit HK$15.50M · loan HK$23.26M · min. income ≈ HK$248,726/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,647,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,734
−HK$7,759/mo
▼ 0.25% · 3.875%
HK$127,583
−HK$3,910/mo
Today · 4.125%
HK$131,493
baseline
▲ 0.50% · 4.625%
HK$139,494
+HK$8,001/mo
Deposit HK$11.63M · loan HK$27.13M · min. income ≈ HK$262,986/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,647,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,653
−HK$7,437/mo
▼ 0.25% · 3.875%
HK$141,345
−HK$3,745/mo
Today · 4.125%
HK$145,090
baseline
▲ 0.50% · 4.625%
HK$152,738
+HK$7,648/mo
Deposit HK$11.63M · loan HK$27.13M · min. income ≈ HK$290,180/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,647,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,087
−HK$9,976/mo
▼ 0.25% · 3.875%
HK$164,035
−HK$5,028/mo
Today · 4.125%
HK$169,063
baseline
▲ 0.50% · 4.625%
HK$179,350
+HK$10,287/mo
Deposit HK$3.88M · loan HK$34.88M · min. income ≈ HK$338,126/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,647,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,982
−HK$9,562/mo
▼ 0.25% · 3.875%
HK$181,729
−HK$4,815/mo
Today · 4.125%
HK$186,544
baseline
▲ 0.50% · 4.625%
HK$196,377
+HK$9,833/mo
Deposit HK$3.88M · loan HK$34.88M · min. income ≈ HK$373,088/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,647,276 · Scale 2, in force from 26 Feb 2026)