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$88,587
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$91,343
−HK$2,799/mo
Today · 4.125%
HK$94,142
baseline
▲ 0.50% · 4.625%
HK$99,871
+HK$5,729/mo
Deposit HK$19.42M · loan HK$19.42M · min. income ≈ HK$188,284/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$1,651,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,552
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$101,195
−HK$2,682/mo
Today · 4.125%
HK$103,877
baseline
▲ 0.50% · 4.625%
HK$109,352
+HK$5,475/mo
Deposit HK$19.42M · loan HK$19.42M · min. income ≈ HK$207,754/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$1,651,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,305
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$109,611
−HK$3,360/mo
Today · 4.125%
HK$112,971
baseline
▲ 0.50% · 4.625%
HK$119,845
+HK$6,874/mo
Deposit HK$15.54M · loan HK$23.31M · min. income ≈ HK$225,942/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,651,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,263
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$121,435
−HK$3,217/mo
Today · 4.125%
HK$124,652
baseline
▲ 0.50% · 4.625%
HK$131,223
+HK$6,571/mo
Deposit HK$15.54M · loan HK$23.31M · min. income ≈ HK$249,304/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,651,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,022
−HK$7,777/mo
▼ 0.25% · 3.875%
HK$127,880
−HK$3,919/mo
Today · 4.125%
HK$131,799
baseline
▲ 0.50% · 4.625%
HK$139,819
+HK$8,020/mo
Deposit HK$11.65M · loan HK$27.19M · min. income ≈ HK$263,598/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,651,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,973
−HK$7,455/mo
▼ 0.25% · 3.875%
HK$141,674
−HK$3,754/mo
Today · 4.125%
HK$145,428
baseline
▲ 0.50% · 4.625%
HK$153,093
+HK$7,665/mo
Deposit HK$11.65M · loan HK$27.19M · min. income ≈ HK$290,856/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,651,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,457
−HK$9,999/mo
▼ 0.25% · 3.875%
HK$164,417
−HK$5,039/mo
Today · 4.125%
HK$169,456
baseline
▲ 0.50% · 4.625%
HK$179,767
+HK$10,311/mo
Deposit HK$3.88M · loan HK$34.96M · min. income ≈ HK$338,912/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,651,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,394
−HK$9,584/mo
▼ 0.25% · 3.875%
HK$182,152
−HK$4,826/mo
Today · 4.125%
HK$186,978
baseline
▲ 0.50% · 4.625%
HK$196,834
+HK$9,856/mo
Deposit HK$3.88M · loan HK$34.96M · min. income ≈ HK$373,956/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,651,110 · Scale 2, in force from 26 Feb 2026)