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$88,128
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$90,869
−HK$2,785/mo
Today · 4.125%
HK$93,654
baseline
▲ 0.50% · 4.625%
HK$99,353
+HK$5,699/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$187,308/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$1,642,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,041
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$100,671
−HK$2,667/mo
Today · 4.125%
HK$103,338
baseline
▲ 0.50% · 4.625%
HK$108,785
+HK$5,447/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$206,676/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$1,642,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,753
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$109,043
−HK$3,342/mo
Today · 4.125%
HK$112,385
baseline
▲ 0.50% · 4.625%
HK$119,223
+HK$6,838/mo
Deposit HK$15.46M · loan HK$23.19M · min. income ≈ HK$224,770/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,642,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,650
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$120,805
−HK$3,201/mo
Today · 4.125%
HK$124,006
baseline
▲ 0.50% · 4.625%
HK$130,542
+HK$6,536/mo
Deposit HK$15.46M · loan HK$23.19M · min. income ≈ HK$248,012/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,642,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,379
−HK$7,737/mo
▼ 0.25% · 3.875%
HK$127,217
−HK$3,899/mo
Today · 4.125%
HK$131,116
baseline
▲ 0.50% · 4.625%
HK$139,094
+HK$7,978/mo
Deposit HK$11.59M · loan HK$27.05M · min. income ≈ HK$262,232/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,642,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,258
−HK$7,415/mo
▼ 0.25% · 3.875%
HK$140,939
−HK$3,734/mo
Today · 4.125%
HK$144,673
baseline
▲ 0.50% · 4.625%
HK$152,299
+HK$7,626/mo
Deposit HK$11.59M · loan HK$27.05M · min. income ≈ HK$289,346/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,642,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,630
−HK$9,947/mo
▼ 0.25% · 3.875%
HK$163,564
−HK$5,013/mo
Today · 4.125%
HK$168,577
baseline
▲ 0.50% · 4.625%
HK$178,835
+HK$10,258/mo
Deposit HK$3.86M · loan HK$34.78M · min. income ≈ HK$337,154/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,642,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,474
−HK$9,535/mo
▼ 0.25% · 3.875%
HK$181,207
−HK$4,802/mo
Today · 4.125%
HK$186,009
baseline
▲ 0.50% · 4.625%
HK$195,813
+HK$9,804/mo
Deposit HK$3.86M · loan HK$34.78M · min. income ≈ HK$372,018/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,642,548 · Scale 2, in force from 26 Feb 2026)