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$88,311
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$91,058
−HK$2,791/mo
Today · 4.125%
HK$93,849
baseline
▲ 0.50% · 4.625%
HK$99,560
+HK$5,711/mo
Deposit HK$19.36M · loan HK$19.36M · min. income ≈ HK$187,698/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$1,645,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,245
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,880
−HK$2,673/mo
Today · 4.125%
HK$103,553
baseline
▲ 0.50% · 4.625%
HK$109,012
+HK$5,459/mo
Deposit HK$19.36M · loan HK$19.36M · min. income ≈ HK$207,106/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$1,645,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,973
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$109,270
−HK$3,349/mo
Today · 4.125%
HK$112,619
baseline
▲ 0.50% · 4.625%
HK$119,472
+HK$6,853/mo
Deposit HK$15.49M · loan HK$23.24M · min. income ≈ HK$225,238/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,645,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,894
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$121,056
−HK$3,208/mo
Today · 4.125%
HK$124,264
baseline
▲ 0.50% · 4.625%
HK$130,814
+HK$6,550/mo
Deposit HK$15.49M · loan HK$23.24M · min. income ≈ HK$248,528/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,645,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,636
−HK$7,753/mo
▼ 0.25% · 3.875%
HK$127,481
−HK$3,908/mo
Today · 4.125%
HK$131,389
baseline
▲ 0.50% · 4.625%
HK$139,383
+HK$7,994/mo
Deposit HK$11.62M · loan HK$27.11M · min. income ≈ HK$262,778/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,645,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,543
−HK$7,432/mo
▼ 0.25% · 3.875%
HK$141,232
−HK$3,743/mo
Today · 4.125%
HK$144,975
baseline
▲ 0.50% · 4.625%
HK$152,616
+HK$7,641/mo
Deposit HK$11.62M · loan HK$27.11M · min. income ≈ HK$289,950/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,645,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,960
−HK$9,968/mo
▼ 0.25% · 3.875%
HK$163,905
−HK$5,023/mo
Today · 4.125%
HK$168,928
baseline
▲ 0.50% · 4.625%
HK$179,207
+HK$10,279/mo
Deposit HK$3.87M · loan HK$34.86M · min. income ≈ HK$337,856/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,645,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,842
−HK$9,554/mo
▼ 0.25% · 3.875%
HK$181,584
−HK$4,812/mo
Today · 4.125%
HK$186,396
baseline
▲ 0.50% · 4.625%
HK$196,221
+HK$9,825/mo
Deposit HK$3.87M · loan HK$34.86M · min. income ≈ HK$372,792/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,645,967 · Scale 2, in force from 26 Feb 2026)