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$88,644
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,402
−HK$2,801/mo
Today · 4.125%
HK$94,203
baseline
▲ 0.50% · 4.625%
HK$99,935
+HK$5,732/mo
Deposit HK$19.44M · loan HK$19.44M · min. income ≈ HK$188,406/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$1,652,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,616
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,261
−HK$2,683/mo
Today · 4.125%
HK$103,944
baseline
▲ 0.50% · 4.625%
HK$109,423
+HK$5,479/mo
Deposit HK$19.44M · loan HK$19.44M · min. income ≈ HK$207,888/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$1,652,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,373
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$109,682
−HK$3,362/mo
Today · 4.125%
HK$113,044
baseline
▲ 0.50% · 4.625%
HK$119,922
+HK$6,878/mo
Deposit HK$15.55M · loan HK$23.32M · min. income ≈ HK$226,088/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,652,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,339
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$121,513
−HK$3,220/mo
Today · 4.125%
HK$124,733
baseline
▲ 0.50% · 4.625%
HK$131,308
+HK$6,575/mo
Deposit HK$15.55M · loan HK$23.32M · min. income ≈ HK$249,466/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,652,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,102
−HK$7,782/mo
▼ 0.25% · 3.875%
HK$127,962
−HK$3,922/mo
Today · 4.125%
HK$131,884
baseline
▲ 0.50% · 4.625%
HK$139,909
+HK$8,025/mo
Deposit HK$11.66M · loan HK$27.21M · min. income ≈ HK$263,768/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,652,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,062
−HK$7,460/mo
▼ 0.25% · 3.875%
HK$141,765
−HK$3,757/mo
Today · 4.125%
HK$145,522
baseline
▲ 0.50% · 4.625%
HK$153,192
+HK$7,670/mo
Deposit HK$11.66M · loan HK$27.21M · min. income ≈ HK$291,044/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,652,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,560
−HK$10,006/mo
▼ 0.25% · 3.875%
HK$164,523
−HK$5,043/mo
Today · 4.125%
HK$169,566
baseline
▲ 0.50% · 4.625%
HK$179,883
+HK$10,317/mo
Deposit HK$3.89M · loan HK$34.99M · min. income ≈ HK$339,132/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,509
−HK$9,590/mo
▼ 0.25% · 3.875%
HK$182,270
−HK$4,829/mo
Today · 4.125%
HK$187,099
baseline
▲ 0.50% · 4.625%
HK$196,961
+HK$9,862/mo
Deposit HK$3.89M · loan HK$34.99M · min. income ≈ HK$374,198/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,178 · Scale 2, in force from 26 Feb 2026)