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$88,480
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$91,233
−HK$2,796/mo
Today · 4.125%
HK$94,029
baseline
▲ 0.50% · 4.625%
HK$99,750
+HK$5,721/mo
Deposit HK$19.40M · loan HK$19.40M · min. income ≈ HK$188,058/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,649,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,434
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$101,073
−HK$2,679/mo
Today · 4.125%
HK$103,752
baseline
▲ 0.50% · 4.625%
HK$109,220
+HK$5,468/mo
Deposit HK$19.40M · loan HK$19.40M · min. income ≈ HK$207,504/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,649,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,176
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$109,479
−HK$3,356/mo
Today · 4.125%
HK$112,835
baseline
▲ 0.50% · 4.625%
HK$119,700
+HK$6,865/mo
Deposit HK$15.52M · loan HK$23.28M · min. income ≈ HK$225,670/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,649,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,120
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$121,288
−HK$3,214/mo
Today · 4.125%
HK$124,502
baseline
▲ 0.50% · 4.625%
HK$131,065
+HK$6,563/mo
Deposit HK$15.52M · loan HK$23.28M · min. income ≈ HK$249,004/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,649,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,873
−HK$7,767/mo
▼ 0.25% · 3.875%
HK$127,726
−HK$3,914/mo
Today · 4.125%
HK$131,640
baseline
▲ 0.50% · 4.625%
HK$139,650
+HK$8,010/mo
Deposit HK$11.64M · loan HK$27.16M · min. income ≈ HK$263,280/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,807
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$141,503
−HK$3,749/mo
Today · 4.125%
HK$145,252
baseline
▲ 0.50% · 4.625%
HK$152,909
+HK$7,657/mo
Deposit HK$11.64M · loan HK$27.16M · min. income ≈ HK$290,504/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,265
−HK$9,987/mo
▼ 0.25% · 3.875%
HK$164,219
−HK$5,033/mo
Today · 4.125%
HK$169,252
baseline
▲ 0.50% · 4.625%
HK$179,551
+HK$10,299/mo
Deposit HK$3.88M · loan HK$34.92M · min. income ≈ HK$338,504/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,180
−HK$9,573/mo
▼ 0.25% · 3.875%
HK$181,932
−HK$4,821/mo
Today · 4.125%
HK$186,753
baseline
▲ 0.50% · 4.625%
HK$196,597
+HK$9,844/mo
Deposit HK$3.88M · loan HK$34.92M · min. income ≈ HK$373,506/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,120 · Scale 2, in force from 26 Feb 2026)