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$88,801
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,563
−HK$2,806/mo
Today · 4.125%
HK$94,369
baseline
▲ 0.50% · 4.625%
HK$100,111
+HK$5,742/mo
Deposit HK$19.47M · loan HK$19.47M · min. income ≈ HK$188,738/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$1,655,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,790
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,439
−HK$2,688/mo
Today · 4.125%
HK$104,127
baseline
▲ 0.50% · 4.625%
HK$109,616
+HK$5,489/mo
Deposit HK$19.47M · loan HK$19.47M · min. income ≈ HK$208,254/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$1,655,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,561
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$109,875
−HK$3,368/mo
Today · 4.125%
HK$113,243
baseline
▲ 0.50% · 4.625%
HK$120,134
+HK$6,891/mo
Deposit HK$15.58M · loan HK$23.37M · min. income ≈ HK$226,486/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,655,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,548
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$121,727
−HK$3,226/mo
Today · 4.125%
HK$124,953
baseline
▲ 0.50% · 4.625%
HK$131,539
+HK$6,586/mo
Deposit HK$15.58M · loan HK$23.37M · min. income ≈ HK$249,906/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,655,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,321
−HK$7,796/mo
▼ 0.25% · 3.875%
HK$128,188
−HK$3,929/mo
Today · 4.125%
HK$132,117
baseline
▲ 0.50% · 4.625%
HK$140,156
+HK$8,039/mo
Deposit HK$11.68M · loan HK$27.26M · min. income ≈ HK$264,234/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,306
−HK$7,472/mo
▼ 0.25% · 3.875%
HK$142,015
−HK$3,763/mo
Today · 4.125%
HK$145,778
baseline
▲ 0.50% · 4.625%
HK$153,462
+HK$7,684/mo
Deposit HK$11.68M · loan HK$27.26M · min. income ≈ HK$291,556/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,841
−HK$10,024/mo
▼ 0.25% · 3.875%
HK$164,813
−HK$5,052/mo
Today · 4.125%
HK$169,865
baseline
▲ 0.50% · 4.625%
HK$180,201
+HK$10,336/mo
Deposit HK$3.89M · loan HK$35.05M · min. income ≈ HK$339,730/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,822
−HK$9,607/mo
▼ 0.25% · 3.875%
HK$182,591
−HK$4,838/mo
Today · 4.125%
HK$187,429
baseline
▲ 0.50% · 4.625%
HK$197,309
+HK$9,880/mo
Deposit HK$3.89M · loan HK$35.05M · min. income ≈ HK$374,858/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,090 · Scale 2, in force from 26 Feb 2026)