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$88,323
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$91,070
−HK$2,792/mo
Today · 4.125%
HK$93,862
baseline
▲ 0.50% · 4.625%
HK$99,573
+HK$5,711/mo
Deposit HK$19.37M · loan HK$19.37M · min. income ≈ HK$187,724/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$1,646,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,258
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$100,894
−HK$2,673/mo
Today · 4.125%
HK$103,567
baseline
▲ 0.50% · 4.625%
HK$109,026
+HK$5,459/mo
Deposit HK$19.37M · loan HK$19.37M · min. income ≈ HK$207,134/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$1,646,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,988
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$109,284
−HK$3,350/mo
Today · 4.125%
HK$112,634
baseline
▲ 0.50% · 4.625%
HK$119,487
+HK$6,853/mo
Deposit HK$15.49M · loan HK$23.24M · min. income ≈ HK$225,268/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,646,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,910
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$121,072
−HK$3,208/mo
Today · 4.125%
HK$124,280
baseline
▲ 0.50% · 4.625%
HK$130,831
+HK$6,551/mo
Deposit HK$15.49M · loan HK$23.24M · min. income ≈ HK$248,560/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,646,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,652
−HK$7,754/mo
▼ 0.25% · 3.875%
HK$127,499
−HK$3,907/mo
Today · 4.125%
HK$131,406
baseline
▲ 0.50% · 4.625%
HK$139,402
+HK$7,996/mo
Deposit HK$11.62M · loan HK$27.11M · min. income ≈ HK$262,812/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,646,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,562
−HK$7,432/mo
▼ 0.25% · 3.875%
HK$141,251
−HK$3,743/mo
Today · 4.125%
HK$144,994
baseline
▲ 0.50% · 4.625%
HK$152,637
+HK$7,643/mo
Deposit HK$11.62M · loan HK$27.11M · min. income ≈ HK$289,988/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,646,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,981
−HK$9,970/mo
▼ 0.25% · 3.875%
HK$163,927
−HK$5,024/mo
Today · 4.125%
HK$168,951
baseline
▲ 0.50% · 4.625%
HK$179,231
+HK$10,280/mo
Deposit HK$3.87M · loan HK$34.86M · min. income ≈ HK$337,902/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,646,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,865
−HK$9,556/mo
▼ 0.25% · 3.875%
HK$181,609
−HK$4,812/mo
Today · 4.125%
HK$186,421
baseline
▲ 0.50% · 4.625%
HK$196,247
+HK$9,826/mo
Deposit HK$3.87M · loan HK$34.86M · min. income ≈ HK$372,842/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,646,187 · Scale 2, in force from 26 Feb 2026)