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$88,186
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,929
−HK$2,787/mo
Today · 4.125%
HK$93,716
baseline
▲ 0.50% · 4.625%
HK$99,418
+HK$5,702/mo
Deposit HK$19.34M · loan HK$19.34M · min. income ≈ HK$187,432/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$1,643,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,106
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,737
−HK$2,669/mo
Today · 4.125%
HK$103,406
baseline
▲ 0.50% · 4.625%
HK$108,857
+HK$5,451/mo
Deposit HK$19.34M · loan HK$19.34M · min. income ≈ HK$206,812/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$1,643,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,823
−HK$6,636/mo
▼ 0.25% · 3.875%
HK$109,115
−HK$3,344/mo
Today · 4.125%
HK$112,459
baseline
▲ 0.50% · 4.625%
HK$119,302
+HK$6,843/mo
Deposit HK$15.47M · loan HK$23.20M · min. income ≈ HK$224,918/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,643,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,727
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$120,884
−HK$3,203/mo
Today · 4.125%
HK$124,087
baseline
▲ 0.50% · 4.625%
HK$130,628
+HK$6,541/mo
Deposit HK$15.47M · loan HK$23.20M · min. income ≈ HK$248,174/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,643,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,460
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$127,301
−HK$3,901/mo
Today · 4.125%
HK$131,202
baseline
▲ 0.50% · 4.625%
HK$139,186
+HK$7,984/mo
Deposit HK$11.60M · loan HK$27.07M · min. income ≈ HK$262,404/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,643,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,348
−HK$7,421/mo
▼ 0.25% · 3.875%
HK$141,032
−HK$3,737/mo
Today · 4.125%
HK$144,769
baseline
▲ 0.50% · 4.625%
HK$152,400
+HK$7,631/mo
Deposit HK$11.60M · loan HK$27.07M · min. income ≈ HK$289,538/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,643,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,735
−HK$9,954/mo
▼ 0.25% · 3.875%
HK$163,672
−HK$5,017/mo
Today · 4.125%
HK$168,689
baseline
▲ 0.50% · 4.625%
HK$178,953
+HK$10,264/mo
Deposit HK$3.87M · loan HK$34.81M · min. income ≈ HK$337,378/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,643,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,591
−HK$9,540/mo
▼ 0.25% · 3.875%
HK$181,327
−HK$4,804/mo
Today · 4.125%
HK$186,131
baseline
▲ 0.50% · 4.625%
HK$195,942
+HK$9,811/mo
Deposit HK$3.87M · loan HK$34.81M · min. income ≈ HK$372,262/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,643,631 · Scale 2, in force from 26 Feb 2026)