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$88,545
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$91,299
−HK$2,798/mo
Today · 4.125%
HK$94,097
baseline
▲ 0.50% · 4.625%
HK$99,823
+HK$5,726/mo
Deposit HK$19.42M · loan HK$19.42M · min. income ≈ HK$188,194/mo (50% DSR)
Upfront cash ≈ HK$21.07M (deposit + AVD stamp duty HK$1,650,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,505
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$101,147
−HK$2,680/mo
Today · 4.125%
HK$103,827
baseline
▲ 0.50% · 4.625%
HK$109,300
+HK$5,473/mo
Deposit HK$19.42M · loan HK$19.42M · min. income ≈ HK$207,654/mo (50% DSR)
Upfront cash ≈ HK$21.07M (deposit + AVD stamp duty HK$1,650,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,254
−HK$6,663/mo
▼ 0.25% · 3.875%
HK$109,559
−HK$3,358/mo
Today · 4.125%
HK$112,917
baseline
▲ 0.50% · 4.625%
HK$119,788
+HK$6,871/mo
Deposit HK$15.53M · loan HK$23.30M · min. income ≈ HK$225,834/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,650,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,206
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$121,376
−HK$3,217/mo
Today · 4.125%
HK$124,593
baseline
▲ 0.50% · 4.625%
HK$131,160
+HK$6,567/mo
Deposit HK$15.53M · loan HK$23.30M · min. income ≈ HK$249,186/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,650,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,963
−HK$7,773/mo
▼ 0.25% · 3.875%
HK$127,819
−HK$3,917/mo
Today · 4.125%
HK$131,736
baseline
▲ 0.50% · 4.625%
HK$139,752
+HK$8,016/mo
Deposit HK$11.65M · loan HK$27.18M · min. income ≈ HK$263,472/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,650,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,907
−HK$7,451/mo
▼ 0.25% · 3.875%
HK$141,606
−HK$3,752/mo
Today · 4.125%
HK$145,358
baseline
▲ 0.50% · 4.625%
HK$153,020
+HK$7,662/mo
Deposit HK$11.65M · loan HK$27.18M · min. income ≈ HK$290,716/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,650,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,381
−HK$9,994/mo
▼ 0.25% · 3.875%
HK$164,338
−HK$5,037/mo
Today · 4.125%
HK$169,375
baseline
▲ 0.50% · 4.625%
HK$179,681
+HK$10,306/mo
Deposit HK$3.88M · loan HK$34.95M · min. income ≈ HK$338,750/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,650,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,309
−HK$9,580/mo
▼ 0.25% · 3.875%
HK$182,065
−HK$4,824/mo
Today · 4.125%
HK$186,889
baseline
▲ 0.50% · 4.625%
HK$196,740
+HK$9,851/mo
Deposit HK$3.88M · loan HK$34.95M · min. income ≈ HK$373,778/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,650,321 · Scale 2, in force from 26 Feb 2026)