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$88,420
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$91,170
−HK$2,794/mo
Today · 4.125%
HK$93,964
baseline
▲ 0.50% · 4.625%
HK$99,682
+HK$5,718/mo
Deposit HK$19.39M · loan HK$19.39M · min. income ≈ HK$187,928/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$1,647,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,366
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$101,004
−HK$2,676/mo
Today · 4.125%
HK$103,680
baseline
▲ 0.50% · 4.625%
HK$109,146
+HK$5,466/mo
Deposit HK$19.39M · loan HK$19.39M · min. income ≈ HK$207,360/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$1,647,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,104
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$109,404
−HK$3,353/mo
Today · 4.125%
HK$112,757
baseline
▲ 0.50% · 4.625%
HK$119,618
+HK$6,861/mo
Deposit HK$15.51M · loan HK$23.27M · min. income ≈ HK$225,514/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,647,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,039
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$121,205
−HK$3,211/mo
Today · 4.125%
HK$124,416
baseline
▲ 0.50% · 4.625%
HK$130,975
+HK$6,559/mo
Deposit HK$15.51M · loan HK$23.27M · min. income ≈ HK$248,832/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,647,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,788
−HK$7,762/mo
▼ 0.25% · 3.875%
HK$127,638
−HK$3,912/mo
Today · 4.125%
HK$131,550
baseline
▲ 0.50% · 4.625%
HK$139,555
+HK$8,005/mo
Deposit HK$11.63M · loan HK$27.14M · min. income ≈ HK$263,100/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,647,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,712
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$141,406
−HK$3,747/mo
Today · 4.125%
HK$145,153
baseline
▲ 0.50% · 4.625%
HK$152,804
+HK$7,651/mo
Deposit HK$11.63M · loan HK$27.14M · min. income ≈ HK$290,306/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,647,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,155
−HK$9,981/mo
▼ 0.25% · 3.875%
HK$164,106
−HK$5,030/mo
Today · 4.125%
HK$169,136
baseline
▲ 0.50% · 4.625%
HK$179,427
+HK$10,291/mo
Deposit HK$3.88M · loan HK$34.90M · min. income ≈ HK$338,272/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,647,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,059
−HK$9,566/mo
▼ 0.25% · 3.875%
HK$181,807
−HK$4,818/mo
Today · 4.125%
HK$186,625
baseline
▲ 0.50% · 4.625%
HK$196,462
+HK$9,837/mo
Deposit HK$3.88M · loan HK$34.90M · min. income ≈ HK$373,250/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,647,988 · Scale 2, in force from 26 Feb 2026)