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$88,109
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$90,850
−HK$2,785/mo
Today · 4.125%
HK$93,635
baseline
▲ 0.50% · 4.625%
HK$99,332
+HK$5,697/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$187,270/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,642,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,021
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$100,650
−HK$2,667/mo
Today · 4.125%
HK$103,317
baseline
▲ 0.50% · 4.625%
HK$108,762
+HK$5,445/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$206,634/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,642,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,731
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$109,020
−HK$3,341/mo
Today · 4.125%
HK$112,361
baseline
▲ 0.50% · 4.625%
HK$119,198
+HK$6,837/mo
Deposit HK$15.46M · loan HK$23.18M · min. income ≈ HK$224,722/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,642,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,625
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$120,780
−HK$3,200/mo
Today · 4.125%
HK$123,980
baseline
▲ 0.50% · 4.625%
HK$130,515
+HK$6,535/mo
Deposit HK$15.46M · loan HK$23.18M · min. income ≈ HK$247,960/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,642,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,353
−HK$7,735/mo
▼ 0.25% · 3.875%
HK$127,190
−HK$3,898/mo
Today · 4.125%
HK$131,088
baseline
▲ 0.50% · 4.625%
HK$139,065
+HK$7,977/mo
Deposit HK$11.59M · loan HK$27.05M · min. income ≈ HK$262,176/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,642,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,229
−HK$7,414/mo
▼ 0.25% · 3.875%
HK$140,909
−HK$3,734/mo
Today · 4.125%
HK$144,643
baseline
▲ 0.50% · 4.625%
HK$152,267
+HK$7,624/mo
Deposit HK$11.59M · loan HK$27.05M · min. income ≈ HK$289,286/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,642,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,597
−HK$9,945/mo
▼ 0.25% · 3.875%
HK$163,530
−HK$5,012/mo
Today · 4.125%
HK$168,542
baseline
▲ 0.50% · 4.625%
HK$178,798
+HK$10,256/mo
Deposit HK$3.86M · loan HK$34.78M · min. income ≈ HK$337,084/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,642,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,437
−HK$9,533/mo
▼ 0.25% · 3.875%
HK$181,169
−HK$4,801/mo
Today · 4.125%
HK$185,970
baseline
▲ 0.50% · 4.625%
HK$195,772
+HK$9,802/mo
Deposit HK$3.86M · loan HK$34.78M · min. income ≈ HK$371,940/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,642,205 · Scale 2, in force from 26 Feb 2026)