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$88,405
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$91,155
−HK$2,794/mo
Today · 4.125%
HK$93,949
baseline
▲ 0.50% · 4.625%
HK$99,665
+HK$5,716/mo
Deposit HK$19.38M · loan HK$19.38M · min. income ≈ HK$187,898/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$1,647,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,350
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,987
−HK$2,676/mo
Today · 4.125%
HK$103,663
baseline
▲ 0.50% · 4.625%
HK$109,127
+HK$5,464/mo
Deposit HK$19.38M · loan HK$19.38M · min. income ≈ HK$207,326/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$1,647,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,086
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$109,386
−HK$3,353/mo
Today · 4.125%
HK$112,739
baseline
▲ 0.50% · 4.625%
HK$119,598
+HK$6,859/mo
Deposit HK$15.51M · loan HK$23.26M · min. income ≈ HK$225,478/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,647,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,020
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$121,185
−HK$3,211/mo
Today · 4.125%
HK$124,396
baseline
▲ 0.50% · 4.625%
HK$130,953
+HK$6,557/mo
Deposit HK$15.51M · loan HK$23.26M · min. income ≈ HK$248,792/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,647,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,767
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$127,617
−HK$3,911/mo
Today · 4.125%
HK$131,528
baseline
▲ 0.50% · 4.625%
HK$139,532
+HK$8,004/mo
Deposit HK$11.63M · loan HK$27.14M · min. income ≈ HK$263,056/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,647,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,690
−HK$7,439/mo
▼ 0.25% · 3.875%
HK$141,382
−HK$3,747/mo
Today · 4.125%
HK$145,129
baseline
▲ 0.50% · 4.625%
HK$152,778
+HK$7,649/mo
Deposit HK$11.63M · loan HK$27.14M · min. income ≈ HK$290,258/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,647,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,129
−HK$9,979/mo
▼ 0.25% · 3.875%
HK$164,079
−HK$5,029/mo
Today · 4.125%
HK$169,108
baseline
▲ 0.50% · 4.625%
HK$179,398
+HK$10,290/mo
Deposit HK$3.88M · loan HK$34.89M · min. income ≈ HK$338,216/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,647,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,029
−HK$9,565/mo
▼ 0.25% · 3.875%
HK$181,777
−HK$4,817/mo
Today · 4.125%
HK$186,594
baseline
▲ 0.50% · 4.625%
HK$196,429
+HK$9,835/mo
Deposit HK$3.88M · loan HK$34.89M · min. income ≈ HK$373,188/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,647,716 · Scale 2, in force from 26 Feb 2026)