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$88,803
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$91,565
−HK$2,807/mo
Today · 4.125%
HK$94,372
baseline
▲ 0.50% · 4.625%
HK$100,114
+HK$5,742/mo
Deposit HK$19.47M · loan HK$19.47M · min. income ≈ HK$188,744/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$1,655,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,792
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$101,442
−HK$2,688/mo
Today · 4.125%
HK$104,130
baseline
▲ 0.50% · 4.625%
HK$109,619
+HK$5,489/mo
Deposit HK$19.47M · loan HK$19.47M · min. income ≈ HK$208,260/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$1,655,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,563
−HK$6,683/mo
▼ 0.25% · 3.875%
HK$109,878
−HK$3,368/mo
Today · 4.125%
HK$113,246
baseline
▲ 0.50% · 4.625%
HK$120,137
+HK$6,891/mo
Deposit HK$15.58M · loan HK$23.37M · min. income ≈ HK$226,492/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,655,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,551
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$121,730
−HK$3,226/mo
Today · 4.125%
HK$124,956
baseline
▲ 0.50% · 4.625%
HK$131,542
+HK$6,586/mo
Deposit HK$15.58M · loan HK$23.37M · min. income ≈ HK$249,912/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,655,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,324
−HK$7,796/mo
▼ 0.25% · 3.875%
HK$128,191
−HK$3,929/mo
Today · 4.125%
HK$132,120
baseline
▲ 0.50% · 4.625%
HK$140,159
+HK$8,039/mo
Deposit HK$11.68M · loan HK$27.26M · min. income ≈ HK$264,240/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,309
−HK$7,473/mo
▼ 0.25% · 3.875%
HK$142,019
−HK$3,763/mo
Today · 4.125%
HK$145,782
baseline
▲ 0.50% · 4.625%
HK$153,466
+HK$7,684/mo
Deposit HK$11.68M · loan HK$27.26M · min. income ≈ HK$291,564/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,845
−HK$10,024/mo
▼ 0.25% · 3.875%
HK$164,817
−HK$5,052/mo
Today · 4.125%
HK$169,869
baseline
▲ 0.50% · 4.625%
HK$180,205
+HK$10,336/mo
Deposit HK$3.89M · loan HK$35.05M · min. income ≈ HK$339,738/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,826
−HK$9,608/mo
▼ 0.25% · 3.875%
HK$182,595
−HK$4,839/mo
Today · 4.125%
HK$187,434
baseline
▲ 0.50% · 4.625%
HK$197,313
+HK$9,879/mo
Deposit HK$3.89M · loan HK$35.05M · min. income ≈ HK$374,868/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,131 · Scale 2, in force from 26 Feb 2026)