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$88,758
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,519
−HK$2,805/mo
Today · 4.125%
HK$94,324
baseline
▲ 0.50% · 4.625%
HK$100,064
+HK$5,740/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$188,648/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$1,654,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,743
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,391
−HK$2,686/mo
Today · 4.125%
HK$104,077
baseline
▲ 0.50% · 4.625%
HK$109,564
+HK$5,487/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$208,154/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$1,654,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,510
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$109,823
−HK$3,366/mo
Today · 4.125%
HK$113,189
baseline
▲ 0.50% · 4.625%
HK$120,076
+HK$6,887/mo
Deposit HK$15.57M · loan HK$23.35M · min. income ≈ HK$226,378/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,654,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,491
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$121,669
−HK$3,224/mo
Today · 4.125%
HK$124,893
baseline
▲ 0.50% · 4.625%
HK$131,476
+HK$6,583/mo
Deposit HK$15.57M · loan HK$23.35M · min. income ≈ HK$249,786/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,654,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,262
−HK$7,792/mo
▼ 0.25% · 3.875%
HK$128,127
−HK$3,927/mo
Today · 4.125%
HK$132,054
baseline
▲ 0.50% · 4.625%
HK$140,089
+HK$8,035/mo
Deposit HK$11.68M · loan HK$27.25M · min. income ≈ HK$264,108/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,654,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,240
−HK$7,468/mo
▼ 0.25% · 3.875%
HK$141,947
−HK$3,761/mo
Today · 4.125%
HK$145,708
baseline
▲ 0.50% · 4.625%
HK$153,389
+HK$7,681/mo
Deposit HK$11.68M · loan HK$27.25M · min. income ≈ HK$291,416/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,654,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,765
−HK$10,019/mo
▼ 0.25% · 3.875%
HK$164,735
−HK$5,049/mo
Today · 4.125%
HK$169,784
baseline
▲ 0.50% · 4.625%
HK$180,115
+HK$10,331/mo
Deposit HK$3.89M · loan HK$35.03M · min. income ≈ HK$339,568/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,737
−HK$9,602/mo
▼ 0.25% · 3.875%
HK$182,504
−HK$4,835/mo
Today · 4.125%
HK$187,339
baseline
▲ 0.50% · 4.625%
HK$197,214
+HK$9,875/mo
Deposit HK$3.89M · loan HK$35.03M · min. income ≈ HK$374,678/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,300 · Scale 2, in force from 26 Feb 2026)