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$88,511
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$91,264
−HK$2,797/mo
Today · 4.125%
HK$94,061
baseline
▲ 0.50% · 4.625%
HK$99,784
+HK$5,723/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$188,122/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,649,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,467
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$101,108
−HK$2,679/mo
Today · 4.125%
HK$103,787
baseline
▲ 0.50% · 4.625%
HK$109,258
+HK$5,471/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$207,574/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,649,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,213
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$109,516
−HK$3,357/mo
Today · 4.125%
HK$112,873
baseline
▲ 0.50% · 4.625%
HK$119,741
+HK$6,868/mo
Deposit HK$15.53M · loan HK$23.29M · min. income ≈ HK$225,746/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,649,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,160
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$121,329
−HK$3,215/mo
Today · 4.125%
HK$124,544
baseline
▲ 0.50% · 4.625%
HK$131,109
+HK$6,565/mo
Deposit HK$15.53M · loan HK$23.29M · min. income ≈ HK$249,088/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,649,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,915
−HK$7,770/mo
▼ 0.25% · 3.875%
HK$127,769
−HK$3,916/mo
Today · 4.125%
HK$131,685
baseline
▲ 0.50% · 4.625%
HK$139,698
+HK$8,013/mo
Deposit HK$11.64M · loan HK$27.17M · min. income ≈ HK$263,370/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,854
−HK$7,448/mo
▼ 0.25% · 3.875%
HK$141,551
−HK$3,751/mo
Today · 4.125%
HK$145,302
baseline
▲ 0.50% · 4.625%
HK$152,961
+HK$7,659/mo
Deposit HK$11.64M · loan HK$27.17M · min. income ≈ HK$290,604/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,319
−HK$9,991/mo
▼ 0.25% · 3.875%
HK$164,275
−HK$5,035/mo
Today · 4.125%
HK$169,310
baseline
▲ 0.50% · 4.625%
HK$179,612
+HK$10,302/mo
Deposit HK$3.88M · loan HK$34.93M · min. income ≈ HK$338,620/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,241
−HK$9,575/mo
▼ 0.25% · 3.875%
HK$181,994
−HK$4,822/mo
Today · 4.125%
HK$186,816
baseline
▲ 0.50% · 4.625%
HK$196,664
+HK$9,848/mo
Deposit HK$3.88M · loan HK$34.93M · min. income ≈ HK$373,632/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,682 · Scale 2, in force from 26 Feb 2026)