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$88,535
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$91,288
−HK$2,798/mo
Today · 4.125%
HK$94,086
baseline
▲ 0.50% · 4.625%
HK$99,811
+HK$5,725/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$188,172/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,650,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,494
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$101,135
−HK$2,680/mo
Today · 4.125%
HK$103,815
baseline
▲ 0.50% · 4.625%
HK$109,287
+HK$5,472/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$207,630/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,650,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,241
−HK$6,663/mo
▼ 0.25% · 3.875%
HK$109,546
−HK$3,358/mo
Today · 4.125%
HK$112,904
baseline
▲ 0.50% · 4.625%
HK$119,774
+HK$6,870/mo
Deposit HK$15.53M · loan HK$23.30M · min. income ≈ HK$225,808/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,650,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,193
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$121,362
−HK$3,216/mo
Today · 4.125%
HK$124,578
baseline
▲ 0.50% · 4.625%
HK$131,145
+HK$6,567/mo
Deposit HK$15.53M · loan HK$23.30M · min. income ≈ HK$249,156/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,650,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,948
−HK$7,773/mo
▼ 0.25% · 3.875%
HK$127,804
−HK$3,917/mo
Today · 4.125%
HK$131,721
baseline
▲ 0.50% · 4.625%
HK$139,736
+HK$8,015/mo
Deposit HK$11.65M · loan HK$27.18M · min. income ≈ HK$263,442/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,650,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,891
−HK$7,450/mo
▼ 0.25% · 3.875%
HK$141,590
−HK$3,751/mo
Today · 4.125%
HK$145,341
baseline
▲ 0.50% · 4.625%
HK$153,002
+HK$7,661/mo
Deposit HK$11.65M · loan HK$27.18M · min. income ≈ HK$290,682/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,650,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,362
−HK$9,994/mo
▼ 0.25% · 3.875%
HK$164,319
−HK$5,037/mo
Today · 4.125%
HK$169,356
baseline
▲ 0.50% · 4.625%
HK$179,661
+HK$10,305/mo
Deposit HK$3.88M · loan HK$34.94M · min. income ≈ HK$338,712/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,650,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,289
−HK$9,578/mo
▼ 0.25% · 3.875%
HK$182,044
−HK$4,823/mo
Today · 4.125%
HK$186,867
baseline
▲ 0.50% · 4.625%
HK$196,717
+HK$9,850/mo
Deposit HK$3.88M · loan HK$34.94M · min. income ≈ HK$373,734/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,650,130 · Scale 2, in force from 26 Feb 2026)