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$88,439
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$91,190
−HK$2,795/mo
Today · 4.125%
HK$93,985
baseline
▲ 0.50% · 4.625%
HK$99,704
+HK$5,719/mo
Deposit HK$19.39M · loan HK$19.39M · min. income ≈ HK$187,970/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$1,648,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,388
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$101,026
−HK$2,677/mo
Today · 4.125%
HK$103,703
baseline
▲ 0.50% · 4.625%
HK$109,170
+HK$5,467/mo
Deposit HK$19.39M · loan HK$19.39M · min. income ≈ HK$207,406/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$1,648,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,127
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$109,428
−HK$3,354/mo
Today · 4.125%
HK$112,782
baseline
▲ 0.50% · 4.625%
HK$119,645
+HK$6,863/mo
Deposit HK$15.51M · loan HK$23.27M · min. income ≈ HK$225,564/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,648,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,065
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$121,232
−HK$3,212/mo
Today · 4.125%
HK$124,444
baseline
▲ 0.50% · 4.625%
HK$131,003
+HK$6,559/mo
Deposit HK$15.51M · loan HK$23.27M · min. income ≈ HK$248,888/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,648,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,815
−HK$7,764/mo
▼ 0.25% · 3.875%
HK$127,666
−HK$3,913/mo
Today · 4.125%
HK$131,579
baseline
▲ 0.50% · 4.625%
HK$139,585
+HK$8,006/mo
Deposit HK$11.64M · loan HK$27.15M · min. income ≈ HK$263,158/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,648,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,743
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$141,437
−HK$3,747/mo
Today · 4.125%
HK$145,184
baseline
▲ 0.50% · 4.625%
HK$152,837
+HK$7,653/mo
Deposit HK$11.64M · loan HK$27.15M · min. income ≈ HK$290,368/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,648,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,190
−HK$9,983/mo
▼ 0.25% · 3.875%
HK$164,142
−HK$5,031/mo
Today · 4.125%
HK$169,173
baseline
▲ 0.50% · 4.625%
HK$179,467
+HK$10,294/mo
Deposit HK$3.88M · loan HK$34.91M · min. income ≈ HK$338,346/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,648,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,098
−HK$9,568/mo
▼ 0.25% · 3.875%
HK$181,847
−HK$4,819/mo
Today · 4.125%
HK$186,666
baseline
▲ 0.50% · 4.625%
HK$196,505
+HK$9,839/mo
Deposit HK$3.88M · loan HK$34.91M · min. income ≈ HK$373,332/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,648,351 · Scale 2, in force from 26 Feb 2026)