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$88,881
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$91,646
−HK$2,808/mo
Today · 4.125%
HK$94,454
baseline
▲ 0.50% · 4.625%
HK$100,202
+HK$5,748/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$188,908/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,656,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,879
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$101,531
−HK$2,690/mo
Today · 4.125%
HK$104,221
baseline
▲ 0.50% · 4.625%
HK$109,715
+HK$5,494/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$208,442/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,656,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,657
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$109,975
−HK$3,370/mo
Today · 4.125%
HK$113,345
baseline
▲ 0.50% · 4.625%
HK$120,242
+HK$6,897/mo
Deposit HK$15.59M · loan HK$23.39M · min. income ≈ HK$226,690/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,656,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,655
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$121,837
−HK$3,228/mo
Today · 4.125%
HK$125,065
baseline
▲ 0.50% · 4.625%
HK$131,658
+HK$6,593/mo
Deposit HK$15.59M · loan HK$23.39M · min. income ≈ HK$250,130/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,656,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,433
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$128,304
−HK$3,932/mo
Today · 4.125%
HK$132,236
baseline
▲ 0.50% · 4.625%
HK$140,282
+HK$8,046/mo
Deposit HK$11.69M · loan HK$27.28M · min. income ≈ HK$264,472/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,431
−HK$7,479/mo
▼ 0.25% · 3.875%
HK$142,143
−HK$3,767/mo
Today · 4.125%
HK$145,910
baseline
▲ 0.50% · 4.625%
HK$153,601
+HK$7,691/mo
Deposit HK$11.69M · loan HK$27.28M · min. income ≈ HK$291,820/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,985
−HK$10,033/mo
▼ 0.25% · 3.875%
HK$164,962
−HK$5,056/mo
Today · 4.125%
HK$170,018
baseline
▲ 0.50% · 4.625%
HK$180,363
+HK$10,345/mo
Deposit HK$3.90M · loan HK$35.08M · min. income ≈ HK$340,036/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,656,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,982
−HK$9,616/mo
▼ 0.25% · 3.875%
HK$182,756
−HK$4,842/mo
Today · 4.125%
HK$187,598
baseline
▲ 0.50% · 4.625%
HK$197,487
+HK$9,889/mo
Deposit HK$3.90M · loan HK$35.08M · min. income ≈ HK$375,196/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,656,584 · Scale 2, in force from 26 Feb 2026)