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$88,752
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,513
−HK$2,805/mo
Today · 4.125%
HK$94,318
baseline
▲ 0.50% · 4.625%
HK$100,057
+HK$5,739/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$188,636/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$1,654,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,736
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,384
−HK$2,687/mo
Today · 4.125%
HK$104,071
baseline
▲ 0.50% · 4.625%
HK$109,556
+HK$5,485/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$208,142/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$1,654,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,503
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$109,816
−HK$3,366/mo
Today · 4.125%
HK$113,182
baseline
▲ 0.50% · 4.625%
HK$120,068
+HK$6,886/mo
Deposit HK$15.57M · loan HK$23.35M · min. income ≈ HK$226,364/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,654,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,483
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$121,661
−HK$3,224/mo
Today · 4.125%
HK$124,885
baseline
▲ 0.50% · 4.625%
HK$131,468
+HK$6,583/mo
Deposit HK$15.57M · loan HK$23.35M · min. income ≈ HK$249,770/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,654,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,253
−HK$7,792/mo
▼ 0.25% · 3.875%
HK$128,118
−HK$3,927/mo
Today · 4.125%
HK$132,045
baseline
▲ 0.50% · 4.625%
HK$140,080
+HK$8,035/mo
Deposit HK$11.68M · loan HK$27.25M · min. income ≈ HK$264,090/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,654,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,231
−HK$7,468/mo
▼ 0.25% · 3.875%
HK$141,938
−HK$3,761/mo
Today · 4.125%
HK$145,699
baseline
▲ 0.50% · 4.625%
HK$153,379
+HK$7,680/mo
Deposit HK$11.68M · loan HK$27.25M · min. income ≈ HK$291,398/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,654,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,754
−HK$10,018/mo
▼ 0.25% · 3.875%
HK$164,724
−HK$5,048/mo
Today · 4.125%
HK$169,772
baseline
▲ 0.50% · 4.625%
HK$180,103
+HK$10,331/mo
Deposit HK$3.89M · loan HK$35.03M · min. income ≈ HK$339,544/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,725
−HK$9,602/mo
▼ 0.25% · 3.875%
HK$182,492
−HK$4,835/mo
Today · 4.125%
HK$187,327
baseline
▲ 0.50% · 4.625%
HK$197,201
+HK$9,874/mo
Deposit HK$3.89M · loan HK$35.03M · min. income ≈ HK$374,654/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,191 · Scale 2, in force from 26 Feb 2026)