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$88,760
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,521
−HK$2,805/mo
Today · 4.125%
HK$94,326
baseline
▲ 0.50% · 4.625%
HK$100,066
+HK$5,740/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$188,652/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$1,654,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,745
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,393
−HK$2,687/mo
Today · 4.125%
HK$104,080
baseline
▲ 0.50% · 4.625%
HK$109,566
+HK$5,486/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$208,160/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$1,654,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,512
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$109,826
−HK$3,366/mo
Today · 4.125%
HK$113,192
baseline
▲ 0.50% · 4.625%
HK$120,079
+HK$6,887/mo
Deposit HK$15.57M · loan HK$23.36M · min. income ≈ HK$226,384/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,654,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,494
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$121,672
−HK$3,224/mo
Today · 4.125%
HK$124,896
baseline
▲ 0.50% · 4.625%
HK$131,479
+HK$6,583/mo
Deposit HK$15.57M · loan HK$23.36M · min. income ≈ HK$249,792/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,654,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,264
−HK$7,793/mo
▼ 0.25% · 3.875%
HK$128,130
−HK$3,927/mo
Today · 4.125%
HK$132,057
baseline
▲ 0.50% · 4.625%
HK$140,092
+HK$8,035/mo
Deposit HK$11.68M · loan HK$27.25M · min. income ≈ HK$264,114/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,654,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,243
−HK$7,469/mo
▼ 0.25% · 3.875%
HK$141,951
−HK$3,761/mo
Today · 4.125%
HK$145,712
baseline
▲ 0.50% · 4.625%
HK$153,392
+HK$7,680/mo
Deposit HK$11.68M · loan HK$27.25M · min. income ≈ HK$291,424/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,654,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,769
−HK$10,019/mo
▼ 0.25% · 3.875%
HK$164,738
−HK$5,050/mo
Today · 4.125%
HK$169,788
baseline
▲ 0.50% · 4.625%
HK$180,119
+HK$10,331/mo
Deposit HK$3.89M · loan HK$35.03M · min. income ≈ HK$339,576/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,741
−HK$9,603/mo
▼ 0.25% · 3.875%
HK$182,508
−HK$4,836/mo
Today · 4.125%
HK$187,344
baseline
▲ 0.50% · 4.625%
HK$197,219
+HK$9,875/mo
Deposit HK$3.89M · loan HK$35.03M · min. income ≈ HK$374,688/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,338 · Scale 2, in force from 26 Feb 2026)