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$88,797
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,559
−HK$2,806/mo
Today · 4.125%
HK$94,365
baseline
▲ 0.50% · 4.625%
HK$100,107
+HK$5,742/mo
Deposit HK$19.47M · loan HK$19.47M · min. income ≈ HK$188,730/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$1,655,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,786
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,435
−HK$2,688/mo
Today · 4.125%
HK$104,123
baseline
▲ 0.50% · 4.625%
HK$109,611
+HK$5,488/mo
Deposit HK$19.47M · loan HK$19.47M · min. income ≈ HK$208,246/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$1,655,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,556
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$109,871
−HK$3,367/mo
Today · 4.125%
HK$113,238
baseline
▲ 0.50% · 4.625%
HK$120,129
+HK$6,891/mo
Deposit HK$15.58M · loan HK$23.36M · min. income ≈ HK$226,476/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,655,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,543
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$121,722
−HK$3,225/mo
Today · 4.125%
HK$124,947
baseline
▲ 0.50% · 4.625%
HK$131,533
+HK$6,586/mo
Deposit HK$15.58M · loan HK$23.36M · min. income ≈ HK$249,894/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,655,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,316
−HK$7,795/mo
▼ 0.25% · 3.875%
HK$128,183
−HK$3,928/mo
Today · 4.125%
HK$132,111
baseline
▲ 0.50% · 4.625%
HK$140,150
+HK$8,039/mo
Deposit HK$11.68M · loan HK$27.26M · min. income ≈ HK$264,222/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,300
−HK$7,472/mo
▼ 0.25% · 3.875%
HK$142,009
−HK$3,763/mo
Today · 4.125%
HK$145,772
baseline
▲ 0.50% · 4.625%
HK$153,456
+HK$7,684/mo
Deposit HK$11.68M · loan HK$27.26M · min. income ≈ HK$291,544/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,834
−HK$10,023/mo
▼ 0.25% · 3.875%
HK$164,806
−HK$5,051/mo
Today · 4.125%
HK$169,857
baseline
▲ 0.50% · 4.625%
HK$180,193
+HK$10,336/mo
Deposit HK$3.89M · loan HK$35.05M · min. income ≈ HK$339,714/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,814
−HK$9,607/mo
▼ 0.25% · 3.875%
HK$182,583
−HK$4,838/mo
Today · 4.125%
HK$187,421
baseline
▲ 0.50% · 4.625%
HK$197,300
+HK$9,879/mo
Deposit HK$3.89M · loan HK$35.05M · min. income ≈ HK$374,842/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,019 · Scale 2, in force from 26 Feb 2026)