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$88,609
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$91,366
−HK$2,800/mo
Today · 4.125%
HK$94,166
baseline
▲ 0.50% · 4.625%
HK$99,896
+HK$5,730/mo
Deposit HK$19.43M · loan HK$19.43M · min. income ≈ HK$188,332/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$1,651,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,577
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$101,221
−HK$2,682/mo
Today · 4.125%
HK$103,903
baseline
▲ 0.50% · 4.625%
HK$109,380
+HK$5,477/mo
Deposit HK$19.43M · loan HK$19.43M · min. income ≈ HK$207,806/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$1,651,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,331
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$109,639
−HK$3,360/mo
Today · 4.125%
HK$112,999
baseline
▲ 0.50% · 4.625%
HK$119,875
+HK$6,876/mo
Deposit HK$15.54M · loan HK$23.32M · min. income ≈ HK$225,998/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,651,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,292
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$121,465
−HK$3,218/mo
Today · 4.125%
HK$124,683
baseline
▲ 0.50% · 4.625%
HK$131,256
+HK$6,573/mo
Deposit HK$15.54M · loan HK$23.32M · min. income ≈ HK$249,366/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,651,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,053
−HK$7,779/mo
▼ 0.25% · 3.875%
HK$127,912
−HK$3,920/mo
Today · 4.125%
HK$131,832
baseline
▲ 0.50% · 4.625%
HK$139,854
+HK$8,022/mo
Deposit HK$11.66M · loan HK$27.20M · min. income ≈ HK$263,664/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,651,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,008
−HK$7,456/mo
▼ 0.25% · 3.875%
HK$141,709
−HK$3,755/mo
Today · 4.125%
HK$145,464
baseline
▲ 0.50% · 4.625%
HK$153,132
+HK$7,668/mo
Deposit HK$11.66M · loan HK$27.20M · min. income ≈ HK$290,928/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,651,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,497
−HK$10,002/mo
▼ 0.25% · 3.875%
HK$164,458
−HK$5,041/mo
Today · 4.125%
HK$169,499
baseline
▲ 0.50% · 4.625%
HK$179,812
+HK$10,313/mo
Deposit HK$3.89M · loan HK$34.97M · min. income ≈ HK$338,998/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,651,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,439
−HK$9,586/mo
▼ 0.25% · 3.875%
HK$182,197
−HK$4,828/mo
Today · 4.125%
HK$187,025
baseline
▲ 0.50% · 4.625%
HK$196,883
+HK$9,858/mo
Deposit HK$3.89M · loan HK$34.97M · min. income ≈ HK$374,050/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,651,524 · Scale 2, in force from 26 Feb 2026)