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$88,266
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,011
−HK$2,790/mo
Today · 4.125%
HK$93,801
baseline
▲ 0.50% · 4.625%
HK$99,508
+HK$5,707/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$187,602/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$1,645,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,195
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,828
−HK$2,672/mo
Today · 4.125%
HK$103,500
baseline
▲ 0.50% · 4.625%
HK$108,955
+HK$5,455/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$207,000/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$1,645,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,919
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$109,213
−HK$3,348/mo
Today · 4.125%
HK$112,561
baseline
▲ 0.50% · 4.625%
HK$119,410
+HK$6,849/mo
Deposit HK$15.48M · loan HK$23.23M · min. income ≈ HK$225,122/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,645,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,833
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$120,994
−HK$3,206/mo
Today · 4.125%
HK$124,200
baseline
▲ 0.50% · 4.625%
HK$130,746
+HK$6,546/mo
Deposit HK$15.48M · loan HK$23.23M · min. income ≈ HK$248,400/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,645,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,572
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$127,416
−HK$3,905/mo
Today · 4.125%
HK$131,321
baseline
▲ 0.50% · 4.625%
HK$139,311
+HK$7,990/mo
Deposit HK$11.61M · loan HK$27.10M · min. income ≈ HK$262,642/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,645,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,472
−HK$7,428/mo
▼ 0.25% · 3.875%
HK$141,159
−HK$3,741/mo
Today · 4.125%
HK$144,900
baseline
▲ 0.50% · 4.625%
HK$152,537
+HK$7,637/mo
Deposit HK$11.61M · loan HK$27.10M · min. income ≈ HK$289,800/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,645,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,878
−HK$9,963/mo
▼ 0.25% · 3.875%
HK$163,820
−HK$5,021/mo
Today · 4.125%
HK$168,841
baseline
▲ 0.50% · 4.625%
HK$179,115
+HK$10,274/mo
Deposit HK$3.87M · loan HK$34.84M · min. income ≈ HK$337,682/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,645,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,750
−HK$9,549/mo
▼ 0.25% · 3.875%
HK$181,490
−HK$4,809/mo
Today · 4.125%
HK$186,299
baseline
▲ 0.50% · 4.625%
HK$196,119
+HK$9,820/mo
Deposit HK$3.87M · loan HK$34.84M · min. income ≈ HK$372,598/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,645,116 · Scale 2, in force from 26 Feb 2026)