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$88,673
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,431
−HK$2,802/mo
Today · 4.125%
HK$94,233
baseline
▲ 0.50% · 4.625%
HK$99,967
+HK$5,734/mo
Deposit HK$19.44M · loan HK$19.44M · min. income ≈ HK$188,466/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,652,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,647
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$101,293
−HK$2,684/mo
Today · 4.125%
HK$103,977
baseline
▲ 0.50% · 4.625%
HK$109,458
+HK$5,481/mo
Deposit HK$19.44M · loan HK$19.44M · min. income ≈ HK$207,954/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,652,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,407
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$109,717
−HK$3,363/mo
Today · 4.125%
HK$113,080
baseline
▲ 0.50% · 4.625%
HK$119,961
+HK$6,881/mo
Deposit HK$15.55M · loan HK$23.33M · min. income ≈ HK$226,160/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,652,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,377
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$121,552
−HK$3,221/mo
Today · 4.125%
HK$124,773
baseline
▲ 0.50% · 4.625%
HK$131,349
+HK$6,576/mo
Deposit HK$15.55M · loan HK$23.33M · min. income ≈ HK$249,546/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,652,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,142
−HK$7,785/mo
▼ 0.25% · 3.875%
HK$128,003
−HK$3,924/mo
Today · 4.125%
HK$131,927
baseline
▲ 0.50% · 4.625%
HK$139,954
+HK$8,027/mo
Deposit HK$11.67M · loan HK$27.22M · min. income ≈ HK$263,854/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,106
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$141,810
−HK$3,758/mo
Today · 4.125%
HK$145,568
baseline
▲ 0.50% · 4.625%
HK$153,241
+HK$7,673/mo
Deposit HK$11.67M · loan HK$27.22M · min. income ≈ HK$291,136/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,611
−HK$10,009/mo
▼ 0.25% · 3.875%
HK$164,576
−HK$5,044/mo
Today · 4.125%
HK$169,620
baseline
▲ 0.50% · 4.625%
HK$179,941
+HK$10,321/mo
Deposit HK$3.89M · loan HK$35.00M · min. income ≈ HK$339,240/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,565
−HK$9,594/mo
▼ 0.25% · 3.875%
HK$182,328
−HK$4,831/mo
Today · 4.125%
HK$187,159
baseline
▲ 0.50% · 4.625%
HK$197,024
+HK$9,865/mo
Deposit HK$3.89M · loan HK$35.00M · min. income ≈ HK$374,318/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,705 · Scale 2, in force from 26 Feb 2026)