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$88,723
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,482
−HK$2,804/mo
Today · 4.125%
HK$94,286
baseline
▲ 0.50% · 4.625%
HK$100,023
+HK$5,737/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$188,572/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,653,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,703
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,350
−HK$2,686/mo
Today · 4.125%
HK$104,036
baseline
▲ 0.50% · 4.625%
HK$109,520
+HK$5,484/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$208,072/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,653,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,467
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$109,779
−HK$3,365/mo
Today · 4.125%
HK$113,144
baseline
▲ 0.50% · 4.625%
HK$120,028
+HK$6,884/mo
Deposit HK$15.56M · loan HK$23.35M · min. income ≈ HK$226,288/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,653,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,444
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$121,620
−HK$3,223/mo
Today · 4.125%
HK$124,843
baseline
▲ 0.50% · 4.625%
HK$131,423
+HK$6,580/mo
Deposit HK$15.56M · loan HK$23.35M · min. income ≈ HK$249,686/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,653,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,212
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$128,075
−HK$3,926/mo
Today · 4.125%
HK$132,001
baseline
▲ 0.50% · 4.625%
HK$140,033
+HK$8,032/mo
Deposit HK$11.67M · loan HK$27.24M · min. income ≈ HK$264,002/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,653,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,184
−HK$7,466/mo
▼ 0.25% · 3.875%
HK$141,890
−HK$3,760/mo
Today · 4.125%
HK$145,650
baseline
▲ 0.50% · 4.625%
HK$153,327
+HK$7,677/mo
Deposit HK$11.67M · loan HK$27.24M · min. income ≈ HK$291,300/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,653,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,701
−HK$10,014/mo
▼ 0.25% · 3.875%
HK$164,668
−HK$5,047/mo
Today · 4.125%
HK$169,715
baseline
▲ 0.50% · 4.625%
HK$180,042
+HK$10,327/mo
Deposit HK$3.89M · loan HK$35.02M · min. income ≈ HK$339,430/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,665
−HK$9,599/mo
▼ 0.25% · 3.875%
HK$182,430
−HK$4,834/mo
Today · 4.125%
HK$187,264
baseline
▲ 0.50% · 4.625%
HK$197,135
+HK$9,871/mo
Deposit HK$3.89M · loan HK$35.02M · min. income ≈ HK$374,528/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,635 · Scale 2, in force from 26 Feb 2026)