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$88,368
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$91,117
−HK$2,793/mo
Today · 4.125%
HK$93,910
baseline
▲ 0.50% · 4.625%
HK$99,624
+HK$5,714/mo
Deposit HK$19.38M · loan HK$19.38M · min. income ≈ HK$187,820/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$1,647,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,309
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$100,946
−HK$2,674/mo
Today · 4.125%
HK$103,620
baseline
▲ 0.50% · 4.625%
HK$109,082
+HK$5,462/mo
Deposit HK$19.38M · loan HK$19.38M · min. income ≈ HK$207,240/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$1,647,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,042
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$109,341
−HK$3,351/mo
Today · 4.125%
HK$112,692
baseline
▲ 0.50% · 4.625%
HK$119,549
+HK$6,857/mo
Deposit HK$15.50M · loan HK$23.25M · min. income ≈ HK$225,384/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,647,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,971
−HK$6,373/mo
▼ 0.25% · 3.875%
HK$121,135
−HK$3,209/mo
Today · 4.125%
HK$124,344
baseline
▲ 0.50% · 4.625%
HK$130,899
+HK$6,555/mo
Deposit HK$15.50M · loan HK$23.25M · min. income ≈ HK$248,688/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,647,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,716
−HK$7,758/mo
▼ 0.25% · 3.875%
HK$127,564
−HK$3,910/mo
Today · 4.125%
HK$131,474
baseline
▲ 0.50% · 4.625%
HK$139,474
+HK$8,000/mo
Deposit HK$11.63M · loan HK$27.13M · min. income ≈ HK$262,948/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,647,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,632
−HK$7,436/mo
▼ 0.25% · 3.875%
HK$141,324
−HK$3,744/mo
Today · 4.125%
HK$145,068
baseline
▲ 0.50% · 4.625%
HK$152,715
+HK$7,647/mo
Deposit HK$11.63M · loan HK$27.13M · min. income ≈ HK$290,136/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,647,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,063
−HK$9,975/mo
▼ 0.25% · 3.875%
HK$164,011
−HK$5,027/mo
Today · 4.125%
HK$169,038
baseline
▲ 0.50% · 4.625%
HK$179,323
+HK$10,285/mo
Deposit HK$3.88M · loan HK$34.88M · min. income ≈ HK$338,076/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,647,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,956
−HK$9,560/mo
▼ 0.25% · 3.875%
HK$181,702
−HK$4,814/mo
Today · 4.125%
HK$186,516
baseline
▲ 0.50% · 4.625%
HK$196,348
+HK$9,832/mo
Deposit HK$3.88M · loan HK$34.88M · min. income ≈ HK$373,032/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,647,032 · Scale 2, in force from 26 Feb 2026)