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$88,526
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$91,280
−HK$2,797/mo
Today · 4.125%
HK$94,077
baseline
▲ 0.50% · 4.625%
HK$99,802
+HK$5,725/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$188,154/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,649,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,484
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$101,126
−HK$2,679/mo
Today · 4.125%
HK$103,805
baseline
▲ 0.50% · 4.625%
HK$109,277
+HK$5,472/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$207,610/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,649,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,231
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$109,536
−HK$3,357/mo
Today · 4.125%
HK$112,893
baseline
▲ 0.50% · 4.625%
HK$119,762
+HK$6,869/mo
Deposit HK$15.53M · loan HK$23.29M · min. income ≈ HK$225,786/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,649,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,181
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$121,351
−HK$3,215/mo
Today · 4.125%
HK$124,566
baseline
▲ 0.50% · 4.625%
HK$131,132
+HK$6,566/mo
Deposit HK$15.53M · loan HK$23.29M · min. income ≈ HK$249,132/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,649,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,937
−HK$7,771/mo
▼ 0.25% · 3.875%
HK$127,792
−HK$3,916/mo
Today · 4.125%
HK$131,708
baseline
▲ 0.50% · 4.625%
HK$139,723
+HK$8,015/mo
Deposit HK$11.65M · loan HK$27.18M · min. income ≈ HK$263,416/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,649,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,878
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$141,576
−HK$3,751/mo
Today · 4.125%
HK$145,327
baseline
▲ 0.50% · 4.625%
HK$152,988
+HK$7,661/mo
Deposit HK$11.65M · loan HK$27.18M · min. income ≈ HK$290,654/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,649,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,347
−HK$9,992/mo
▼ 0.25% · 3.875%
HK$164,304
−HK$5,035/mo
Today · 4.125%
HK$169,339
baseline
▲ 0.50% · 4.625%
HK$179,643
+HK$10,304/mo
Deposit HK$3.88M · loan HK$34.94M · min. income ≈ HK$338,678/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,272
−HK$9,577/mo
▼ 0.25% · 3.875%
HK$182,026
−HK$4,823/mo
Today · 4.125%
HK$186,849
baseline
▲ 0.50% · 4.625%
HK$196,698
+HK$9,849/mo
Deposit HK$3.88M · loan HK$34.94M · min. income ≈ HK$373,698/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,972 · Scale 2, in force from 26 Feb 2026)