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$88,182
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,925
−HK$2,787/mo
Today · 4.125%
HK$93,712
baseline
▲ 0.50% · 4.625%
HK$99,414
+HK$5,702/mo
Deposit HK$19.34M · loan HK$19.34M · min. income ≈ HK$187,424/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$1,643,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,102
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,733
−HK$2,669/mo
Today · 4.125%
HK$103,402
baseline
▲ 0.50% · 4.625%
HK$108,852
+HK$5,450/mo
Deposit HK$19.34M · loan HK$19.34M · min. income ≈ HK$206,804/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$1,643,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,819
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$109,110
−HK$3,344/mo
Today · 4.125%
HK$112,454
baseline
▲ 0.50% · 4.625%
HK$119,297
+HK$6,843/mo
Deposit HK$15.47M · loan HK$23.20M · min. income ≈ HK$224,908/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,643,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,722
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$120,879
−HK$3,203/mo
Today · 4.125%
HK$124,082
baseline
▲ 0.50% · 4.625%
HK$130,623
+HK$6,541/mo
Deposit HK$15.47M · loan HK$23.20M · min. income ≈ HK$248,164/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,643,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,455
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$127,295
−HK$3,902/mo
Today · 4.125%
HK$131,197
baseline
▲ 0.50% · 4.625%
HK$139,180
+HK$7,983/mo
Deposit HK$11.60M · loan HK$27.07M · min. income ≈ HK$262,394/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,643,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,343
−HK$7,420/mo
▼ 0.25% · 3.875%
HK$141,026
−HK$3,737/mo
Today · 4.125%
HK$144,763
baseline
▲ 0.50% · 4.625%
HK$152,393
+HK$7,630/mo
Deposit HK$11.60M · loan HK$27.07M · min. income ≈ HK$289,526/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,643,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,728
−HK$9,954/mo
▼ 0.25% · 3.875%
HK$163,665
−HK$5,017/mo
Today · 4.125%
HK$168,682
baseline
▲ 0.50% · 4.625%
HK$178,946
+HK$10,264/mo
Deposit HK$3.87M · loan HK$34.80M · min. income ≈ HK$337,364/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,643,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,583
−HK$9,541/mo
▼ 0.25% · 3.875%
HK$181,319
−HK$4,805/mo
Today · 4.125%
HK$186,124
baseline
▲ 0.50% · 4.625%
HK$195,934
+HK$9,810/mo
Deposit HK$3.87M · loan HK$34.80M · min. income ≈ HK$372,248/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,643,564 · Scale 2, in force from 26 Feb 2026)