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$88,795
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,557
−HK$2,806/mo
Today · 4.125%
HK$94,363
baseline
▲ 0.50% · 4.625%
HK$100,105
+HK$5,742/mo
Deposit HK$19.47M · loan HK$19.47M · min. income ≈ HK$188,726/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$1,654,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,784
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,433
−HK$2,688/mo
Today · 4.125%
HK$104,121
baseline
▲ 0.50% · 4.625%
HK$109,609
+HK$5,488/mo
Deposit HK$19.47M · loan HK$19.47M · min. income ≈ HK$208,242/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$1,654,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,554
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$109,869
−HK$3,367/mo
Today · 4.125%
HK$113,236
baseline
▲ 0.50% · 4.625%
HK$120,126
+HK$6,890/mo
Deposit HK$15.58M · loan HK$23.36M · min. income ≈ HK$226,472/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,654,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,541
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$121,720
−HK$3,225/mo
Today · 4.125%
HK$124,945
baseline
▲ 0.50% · 4.625%
HK$131,531
+HK$6,586/mo
Deposit HK$15.58M · loan HK$23.36M · min. income ≈ HK$249,890/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,654,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,313
−HK$7,796/mo
▼ 0.25% · 3.875%
HK$128,180
−HK$3,929/mo
Today · 4.125%
HK$132,109
baseline
▲ 0.50% · 4.625%
HK$140,147
+HK$8,038/mo
Deposit HK$11.68M · loan HK$27.26M · min. income ≈ HK$264,218/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,654,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,297
−HK$7,472/mo
▼ 0.25% · 3.875%
HK$142,006
−HK$3,763/mo
Today · 4.125%
HK$145,769
baseline
▲ 0.50% · 4.625%
HK$153,453
+HK$7,684/mo
Deposit HK$11.68M · loan HK$27.26M · min. income ≈ HK$291,538/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,654,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,831
−HK$10,023/mo
▼ 0.25% · 3.875%
HK$164,803
−HK$5,051/mo
Today · 4.125%
HK$169,854
baseline
▲ 0.50% · 4.625%
HK$180,190
+HK$10,336/mo
Deposit HK$3.89M · loan HK$35.05M · min. income ≈ HK$339,708/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,811
−HK$9,606/mo
▼ 0.25% · 3.875%
HK$182,580
−HK$4,837/mo
Today · 4.125%
HK$187,417
baseline
▲ 0.50% · 4.625%
HK$197,296
+HK$9,879/mo
Deposit HK$3.89M · loan HK$35.05M · min. income ≈ HK$374,834/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,989 · Scale 2, in force from 26 Feb 2026)