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$88,638
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,395
−HK$2,802/mo
Today · 4.125%
HK$94,197
baseline
▲ 0.50% · 4.625%
HK$99,928
+HK$5,731/mo
Deposit HK$19.44M · loan HK$19.44M · min. income ≈ HK$188,394/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$1,652,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,609
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,254
−HK$2,683/mo
Today · 4.125%
HK$103,937
baseline
▲ 0.50% · 4.625%
HK$109,415
+HK$5,478/mo
Deposit HK$19.44M · loan HK$19.44M · min. income ≈ HK$207,874/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$1,652,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,366
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$109,675
−HK$3,361/mo
Today · 4.125%
HK$113,036
baseline
▲ 0.50% · 4.625%
HK$119,914
+HK$6,878/mo
Deposit HK$15.55M · loan HK$23.32M · min. income ≈ HK$226,072/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,652,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,331
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$121,505
−HK$3,219/mo
Today · 4.125%
HK$124,724
baseline
▲ 0.50% · 4.625%
HK$131,298
+HK$6,574/mo
Deposit HK$15.55M · loan HK$23.32M · min. income ≈ HK$249,448/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,652,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,094
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$127,954
−HK$3,921/mo
Today · 4.125%
HK$131,875
baseline
▲ 0.50% · 4.625%
HK$139,900
+HK$8,025/mo
Deposit HK$11.66M · loan HK$27.21M · min. income ≈ HK$263,750/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,652,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,053
−HK$7,458/mo
▼ 0.25% · 3.875%
HK$141,755
−HK$3,756/mo
Today · 4.125%
HK$145,511
baseline
▲ 0.50% · 4.625%
HK$153,182
+HK$7,671/mo
Deposit HK$11.66M · loan HK$27.21M · min. income ≈ HK$291,022/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,652,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,549
−HK$10,005/mo
▼ 0.25% · 3.875%
HK$164,512
−HK$5,042/mo
Today · 4.125%
HK$169,554
baseline
▲ 0.50% · 4.625%
HK$179,871
+HK$10,317/mo
Deposit HK$3.89M · loan HK$34.98M · min. income ≈ HK$339,108/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,497
−HK$9,589/mo
▼ 0.25% · 3.875%
HK$182,257
−HK$4,829/mo
Today · 4.125%
HK$187,086
baseline
▲ 0.50% · 4.625%
HK$196,948
+HK$9,862/mo
Deposit HK$3.89M · loan HK$34.98M · min. income ≈ HK$374,172/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,063 · Scale 2, in force from 26 Feb 2026)