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$88,819
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$91,581
−HK$2,807/mo
Today · 4.125%
HK$94,388
baseline
▲ 0.50% · 4.625%
HK$100,132
+HK$5,744/mo
Deposit HK$19.48M · loan HK$19.48M · min. income ≈ HK$188,776/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$1,655,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,810
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$101,460
−HK$2,688/mo
Today · 4.125%
HK$104,148
baseline
▲ 0.50% · 4.625%
HK$109,638
+HK$5,490/mo
Deposit HK$19.48M · loan HK$19.48M · min. income ≈ HK$208,296/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$1,655,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,582
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$109,898
−HK$3,368/mo
Today · 4.125%
HK$113,266
baseline
▲ 0.50% · 4.625%
HK$120,158
+HK$6,892/mo
Deposit HK$15.58M · loan HK$23.37M · min. income ≈ HK$226,532/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,655,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,572
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$121,752
−HK$3,226/mo
Today · 4.125%
HK$124,978
baseline
▲ 0.50% · 4.625%
HK$131,566
+HK$6,588/mo
Deposit HK$15.58M · loan HK$23.37M · min. income ≈ HK$249,956/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,655,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,346
−HK$7,798/mo
▼ 0.25% · 3.875%
HK$128,214
−HK$3,930/mo
Today · 4.125%
HK$132,144
baseline
▲ 0.50% · 4.625%
HK$140,184
+HK$8,040/mo
Deposit HK$11.69M · loan HK$27.27M · min. income ≈ HK$264,288/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,334
−HK$7,473/mo
▼ 0.25% · 3.875%
HK$142,044
−HK$3,763/mo
Today · 4.125%
HK$145,807
baseline
▲ 0.50% · 4.625%
HK$153,493
+HK$7,686/mo
Deposit HK$11.69M · loan HK$27.27M · min. income ≈ HK$291,614/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,873
−HK$10,026/mo
▼ 0.25% · 3.875%
HK$164,846
−HK$5,053/mo
Today · 4.125%
HK$169,899
baseline
▲ 0.50% · 4.625%
HK$180,237
+HK$10,338/mo
Deposit HK$3.90M · loan HK$35.06M · min. income ≈ HK$339,798/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,858
−HK$9,609/mo
▼ 0.25% · 3.875%
HK$182,628
−HK$4,839/mo
Today · 4.125%
HK$187,467
baseline
▲ 0.50% · 4.625%
HK$197,348
+HK$9,881/mo
Deposit HK$3.90M · loan HK$35.06M · min. income ≈ HK$374,934/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,424 · Scale 2, in force from 26 Feb 2026)