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$88,101
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,841
−HK$2,785/mo
Today · 4.125%
HK$93,626
baseline
▲ 0.50% · 4.625%
HK$99,323
+HK$5,697/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$187,252/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,642,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,011
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$100,640
−HK$2,667/mo
Today · 4.125%
HK$103,307
baseline
▲ 0.50% · 4.625%
HK$108,752
+HK$5,445/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$206,614/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,642,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,721
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$109,010
−HK$3,341/mo
Today · 4.125%
HK$112,351
baseline
▲ 0.50% · 4.625%
HK$119,187
+HK$6,836/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$224,702/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,642,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,614
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$120,768
−HK$3,200/mo
Today · 4.125%
HK$123,968
baseline
▲ 0.50% · 4.625%
HK$130,502
+HK$6,534/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$247,936/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,642,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,341
−HK$7,735/mo
▼ 0.25% · 3.875%
HK$127,178
−HK$3,898/mo
Today · 4.125%
HK$131,076
baseline
▲ 0.50% · 4.625%
HK$139,052
+HK$7,976/mo
Deposit HK$11.59M · loan HK$27.05M · min. income ≈ HK$262,152/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,642,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,216
−HK$7,413/mo
▼ 0.25% · 3.875%
HK$140,896
−HK$3,733/mo
Today · 4.125%
HK$144,629
baseline
▲ 0.50% · 4.625%
HK$152,253
+HK$7,624/mo
Deposit HK$11.59M · loan HK$27.05M · min. income ≈ HK$289,258/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,642,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,582
−HK$9,944/mo
▼ 0.25% · 3.875%
HK$163,514
−HK$5,012/mo
Today · 4.125%
HK$168,526
baseline
▲ 0.50% · 4.625%
HK$178,781
+HK$10,255/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$337,052/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,642,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,420
−HK$9,532/mo
▼ 0.25% · 3.875%
HK$181,152
−HK$4,800/mo
Today · 4.125%
HK$185,952
baseline
▲ 0.50% · 4.625%
HK$195,754
+HK$9,802/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$371,904/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,642,048 · Scale 2, in force from 26 Feb 2026)