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$88,471
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$91,223
−HK$2,796/mo
Today · 4.125%
HK$94,019
baseline
▲ 0.50% · 4.625%
HK$99,740
+HK$5,721/mo
Deposit HK$19.40M · loan HK$19.40M · min. income ≈ HK$188,038/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,648,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,423
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$101,063
−HK$2,678/mo
Today · 4.125%
HK$103,741
baseline
▲ 0.50% · 4.625%
HK$109,209
+HK$5,468/mo
Deposit HK$19.40M · loan HK$19.40M · min. income ≈ HK$207,482/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,648,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,165
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$109,467
−HK$3,356/mo
Today · 4.125%
HK$112,823
baseline
▲ 0.50% · 4.625%
HK$119,688
+HK$6,865/mo
Deposit HK$15.52M · loan HK$23.28M · min. income ≈ HK$225,646/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,648,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,108
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$121,275
−HK$3,214/mo
Today · 4.125%
HK$124,489
baseline
▲ 0.50% · 4.625%
HK$131,051
+HK$6,562/mo
Deposit HK$15.52M · loan HK$23.28M · min. income ≈ HK$248,978/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,648,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,859
−HK$7,767/mo
▼ 0.25% · 3.875%
HK$127,712
−HK$3,914/mo
Today · 4.125%
HK$131,626
baseline
▲ 0.50% · 4.625%
HK$139,636
+HK$8,010/mo
Deposit HK$11.64M · loan HK$27.16M · min. income ≈ HK$263,252/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,648,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,792
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$141,488
−HK$3,749/mo
Today · 4.125%
HK$145,237
baseline
▲ 0.50% · 4.625%
HK$152,892
+HK$7,655/mo
Deposit HK$11.64M · loan HK$27.16M · min. income ≈ HK$290,474/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,648,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,248
−HK$9,986/mo
▼ 0.25% · 3.875%
HK$164,201
−HK$5,033/mo
Today · 4.125%
HK$169,234
baseline
▲ 0.50% · 4.625%
HK$179,531
+HK$10,297/mo
Deposit HK$3.88M · loan HK$34.92M · min. income ≈ HK$338,468/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,648,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,161
−HK$9,572/mo
▼ 0.25% · 3.875%
HK$181,913
−HK$4,820/mo
Today · 4.125%
HK$186,733
baseline
▲ 0.50% · 4.625%
HK$196,576
+HK$9,843/mo
Deposit HK$3.88M · loan HK$34.92M · min. income ≈ HK$373,466/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,648,944 · Scale 2, in force from 26 Feb 2026)