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$88,708
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,467
−HK$2,804/mo
Today · 4.125%
HK$94,271
baseline
▲ 0.50% · 4.625%
HK$100,007
+HK$5,736/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$188,542/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,653,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,687
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,334
−HK$2,685/mo
Today · 4.125%
HK$104,019
baseline
▲ 0.50% · 4.625%
HK$109,502
+HK$5,483/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$208,038/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,653,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,450
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$109,761
−HK$3,364/mo
Today · 4.125%
HK$113,125
baseline
▲ 0.50% · 4.625%
HK$120,008
+HK$6,883/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$226,250/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,653,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,424
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$121,600
−HK$3,222/mo
Today · 4.125%
HK$124,822
baseline
▲ 0.50% · 4.625%
HK$131,402
+HK$6,580/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$249,644/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,653,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,191
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$128,054
−HK$3,925/mo
Today · 4.125%
HK$131,979
baseline
▲ 0.50% · 4.625%
HK$140,010
+HK$8,031/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$263,958/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,162
−HK$7,464/mo
▼ 0.25% · 3.875%
HK$141,867
−HK$3,759/mo
Today · 4.125%
HK$145,626
baseline
▲ 0.50% · 4.625%
HK$153,302
+HK$7,676/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$291,252/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,675
−HK$10,013/mo
▼ 0.25% · 3.875%
HK$164,641
−HK$5,047/mo
Today · 4.125%
HK$169,688
baseline
▲ 0.50% · 4.625%
HK$180,013
+HK$10,325/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$339,376/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,636
−HK$9,598/mo
▼ 0.25% · 3.875%
HK$182,401
−HK$4,833/mo
Today · 4.125%
HK$187,234
baseline
▲ 0.50% · 4.625%
HK$197,103
+HK$9,869/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$374,468/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,365 · Scale 2, in force from 26 Feb 2026)