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$88,595
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$91,351
−HK$2,800/mo
Today · 4.125%
HK$94,151
baseline
▲ 0.50% · 4.625%
HK$99,880
+HK$5,729/mo
Deposit HK$19.43M · loan HK$19.43M · min. income ≈ HK$188,302/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$1,651,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,561
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$101,205
−HK$2,681/mo
Today · 4.125%
HK$103,886
baseline
▲ 0.50% · 4.625%
HK$109,362
+HK$5,476/mo
Deposit HK$19.43M · loan HK$19.43M · min. income ≈ HK$207,772/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$1,651,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,314
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$109,621
−HK$3,360/mo
Today · 4.125%
HK$112,981
baseline
▲ 0.50% · 4.625%
HK$119,856
+HK$6,875/mo
Deposit HK$15.54M · loan HK$23.31M · min. income ≈ HK$225,962/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,651,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,274
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$121,446
−HK$3,218/mo
Today · 4.125%
HK$124,664
baseline
▲ 0.50% · 4.625%
HK$131,235
+HK$6,571/mo
Deposit HK$15.54M · loan HK$23.31M · min. income ≈ HK$249,328/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,651,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,033
−HK$7,778/mo
▼ 0.25% · 3.875%
HK$127,891
−HK$3,920/mo
Today · 4.125%
HK$131,811
baseline
▲ 0.50% · 4.625%
HK$139,832
+HK$8,021/mo
Deposit HK$11.66M · loan HK$27.20M · min. income ≈ HK$263,622/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,651,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,986
−HK$7,455/mo
▼ 0.25% · 3.875%
HK$141,687
−HK$3,754/mo
Today · 4.125%
HK$145,441
baseline
▲ 0.50% · 4.625%
HK$153,107
+HK$7,666/mo
Deposit HK$11.66M · loan HK$27.20M · min. income ≈ HK$290,882/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,651,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,471
−HK$10,001/mo
▼ 0.25% · 3.875%
HK$164,432
−HK$5,040/mo
Today · 4.125%
HK$169,472
baseline
▲ 0.50% · 4.625%
HK$179,784
+HK$10,312/mo
Deposit HK$3.89M · loan HK$34.97M · min. income ≈ HK$338,944/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,651,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,410
−HK$9,585/mo
▼ 0.25% · 3.875%
HK$182,168
−HK$4,827/mo
Today · 4.125%
HK$186,995
baseline
▲ 0.50% · 4.625%
HK$196,852
+HK$9,857/mo
Deposit HK$3.89M · loan HK$34.97M · min. income ≈ HK$373,990/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,651,261 · Scale 2, in force from 26 Feb 2026)