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$88,810
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$91,572
−HK$2,807/mo
Today · 4.125%
HK$94,379
baseline
▲ 0.50% · 4.625%
HK$100,122
+HK$5,743/mo
Deposit HK$19.47M · loan HK$19.47M · min. income ≈ HK$188,758/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$1,655,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,800
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$101,450
−HK$2,688/mo
Today · 4.125%
HK$104,138
baseline
▲ 0.50% · 4.625%
HK$109,627
+HK$5,489/mo
Deposit HK$19.47M · loan HK$19.47M · min. income ≈ HK$208,276/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$1,655,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,572
−HK$6,683/mo
▼ 0.25% · 3.875%
HK$109,887
−HK$3,368/mo
Today · 4.125%
HK$113,255
baseline
▲ 0.50% · 4.625%
HK$120,146
+HK$6,891/mo
Deposit HK$15.58M · loan HK$23.37M · min. income ≈ HK$226,510/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,655,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,560
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$121,740
−HK$3,225/mo
Today · 4.125%
HK$124,965
baseline
▲ 0.50% · 4.625%
HK$131,553
+HK$6,588/mo
Deposit HK$15.58M · loan HK$23.37M · min. income ≈ HK$249,930/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,655,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,334
−HK$7,797/mo
▼ 0.25% · 3.875%
HK$128,201
−HK$3,930/mo
Today · 4.125%
HK$132,131
baseline
▲ 0.50% · 4.625%
HK$140,170
+HK$8,039/mo
Deposit HK$11.68M · loan HK$27.26M · min. income ≈ HK$264,262/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,320
−HK$7,473/mo
▼ 0.25% · 3.875%
HK$142,030
−HK$3,763/mo
Today · 4.125%
HK$145,793
baseline
▲ 0.50% · 4.625%
HK$153,478
+HK$7,685/mo
Deposit HK$11.68M · loan HK$27.26M · min. income ≈ HK$291,586/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,858
−HK$10,024/mo
▼ 0.25% · 3.875%
HK$164,830
−HK$5,052/mo
Today · 4.125%
HK$169,882
baseline
▲ 0.50% · 4.625%
HK$180,219
+HK$10,337/mo
Deposit HK$3.89M · loan HK$35.05M · min. income ≈ HK$339,764/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,840
−HK$9,608/mo
▼ 0.25% · 3.875%
HK$182,610
−HK$4,838/mo
Today · 4.125%
HK$187,448
baseline
▲ 0.50% · 4.625%
HK$197,329
+HK$9,881/mo
Deposit HK$3.89M · loan HK$35.05M · min. income ≈ HK$374,896/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,261 · Scale 2, in force from 26 Feb 2026)