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$88,721
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,480
−HK$2,804/mo
Today · 4.125%
HK$94,284
baseline
▲ 0.50% · 4.625%
HK$100,021
+HK$5,737/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$188,568/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,653,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,701
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,348
−HK$2,685/mo
Today · 4.125%
HK$104,033
baseline
▲ 0.50% · 4.625%
HK$109,517
+HK$5,484/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$208,066/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,653,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,465
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$109,776
−HK$3,365/mo
Today · 4.125%
HK$113,141
baseline
▲ 0.50% · 4.625%
HK$120,025
+HK$6,884/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$226,282/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,653,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,441
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$121,617
−HK$3,223/mo
Today · 4.125%
HK$124,840
baseline
▲ 0.50% · 4.625%
HK$131,420
+HK$6,580/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$249,680/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,653,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,209
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$128,072
−HK$3,926/mo
Today · 4.125%
HK$131,998
baseline
▲ 0.50% · 4.625%
HK$140,029
+HK$8,031/mo
Deposit HK$11.67M · loan HK$27.24M · min. income ≈ HK$263,996/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,653,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,181
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$141,887
−HK$3,759/mo
Today · 4.125%
HK$145,646
baseline
▲ 0.50% · 4.625%
HK$153,324
+HK$7,678/mo
Deposit HK$11.67M · loan HK$27.24M · min. income ≈ HK$291,292/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,653,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,697
−HK$10,014/mo
▼ 0.25% · 3.875%
HK$164,664
−HK$5,047/mo
Today · 4.125%
HK$169,711
baseline
▲ 0.50% · 4.625%
HK$180,038
+HK$10,327/mo
Deposit HK$3.89M · loan HK$35.02M · min. income ≈ HK$339,422/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,661
−HK$9,599/mo
▼ 0.25% · 3.875%
HK$182,426
−HK$4,834/mo
Today · 4.125%
HK$187,260
baseline
▲ 0.50% · 4.625%
HK$197,130
+HK$9,870/mo
Deposit HK$3.89M · loan HK$35.02M · min. income ≈ HK$374,520/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,596 · Scale 2, in force from 26 Feb 2026)