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$88,309
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$91,056
−HK$2,791/mo
Today · 4.125%
HK$93,847
baseline
▲ 0.50% · 4.625%
HK$99,557
+HK$5,710/mo
Deposit HK$19.36M · loan HK$19.36M · min. income ≈ HK$187,694/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$1,645,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,243
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,878
−HK$2,673/mo
Today · 4.125%
HK$103,551
baseline
▲ 0.50% · 4.625%
HK$109,009
+HK$5,458/mo
Deposit HK$19.36M · loan HK$19.36M · min. income ≈ HK$207,102/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$1,645,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,971
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$109,267
−HK$3,349/mo
Today · 4.125%
HK$112,616
baseline
▲ 0.50% · 4.625%
HK$119,468
+HK$6,852/mo
Deposit HK$15.49M · loan HK$23.24M · min. income ≈ HK$225,232/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,645,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,891
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$121,053
−HK$3,208/mo
Today · 4.125%
HK$124,261
baseline
▲ 0.50% · 4.625%
HK$130,811
+HK$6,550/mo
Deposit HK$15.49M · loan HK$23.24M · min. income ≈ HK$248,522/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,645,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,633
−HK$7,752/mo
▼ 0.25% · 3.875%
HK$127,478
−HK$3,907/mo
Today · 4.125%
HK$131,385
baseline
▲ 0.50% · 4.625%
HK$139,380
+HK$7,995/mo
Deposit HK$11.62M · loan HK$27.11M · min. income ≈ HK$262,770/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,645,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,540
−HK$7,431/mo
▼ 0.25% · 3.875%
HK$141,229
−HK$3,742/mo
Today · 4.125%
HK$144,971
baseline
▲ 0.50% · 4.625%
HK$152,612
+HK$7,641/mo
Deposit HK$11.62M · loan HK$27.11M · min. income ≈ HK$289,942/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,645,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,956
−HK$9,968/mo
▼ 0.25% · 3.875%
HK$163,901
−HK$5,023/mo
Today · 4.125%
HK$168,924
baseline
▲ 0.50% · 4.625%
HK$179,203
+HK$10,279/mo
Deposit HK$3.87M · loan HK$34.85M · min. income ≈ HK$337,848/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,645,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,837
−HK$9,554/mo
▼ 0.25% · 3.875%
HK$181,580
−HK$4,811/mo
Today · 4.125%
HK$186,391
baseline
▲ 0.50% · 4.625%
HK$196,216
+HK$9,825/mo
Deposit HK$3.87M · loan HK$34.85M · min. income ≈ HK$372,782/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,645,925 · Scale 2, in force from 26 Feb 2026)