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$88,213
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$90,957
−HK$2,787/mo
Today · 4.125%
HK$93,744
baseline
▲ 0.50% · 4.625%
HK$99,449
+HK$5,705/mo
Deposit HK$19.34M · loan HK$19.34M · min. income ≈ HK$187,488/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$1,644,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,136
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$100,768
−HK$2,670/mo
Today · 4.125%
HK$103,438
baseline
▲ 0.50% · 4.625%
HK$108,890
+HK$5,452/mo
Deposit HK$19.34M · loan HK$19.34M · min. income ≈ HK$206,876/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$1,644,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,855
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$109,148
−HK$3,345/mo
Today · 4.125%
HK$112,493
baseline
▲ 0.50% · 4.625%
HK$119,338
+HK$6,845/mo
Deposit HK$15.47M · loan HK$23.21M · min. income ≈ HK$224,986/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,644,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,763
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$120,921
−HK$3,204/mo
Today · 4.125%
HK$124,125
baseline
▲ 0.50% · 4.625%
HK$130,668
+HK$6,543/mo
Deposit HK$15.47M · loan HK$23.21M · min. income ≈ HK$248,250/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,644,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,498
−HK$7,744/mo
▼ 0.25% · 3.875%
HK$127,339
−HK$3,903/mo
Today · 4.125%
HK$131,242
baseline
▲ 0.50% · 4.625%
HK$139,228
+HK$7,986/mo
Deposit HK$11.61M · loan HK$27.08M · min. income ≈ HK$262,484/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,644,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,390
−HK$7,423/mo
▼ 0.25% · 3.875%
HK$141,075
−HK$3,738/mo
Today · 4.125%
HK$144,813
baseline
▲ 0.50% · 4.625%
HK$152,446
+HK$7,633/mo
Deposit HK$11.61M · loan HK$27.08M · min. income ≈ HK$289,626/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,644,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,783
−HK$9,957/mo
▼ 0.25% · 3.875%
HK$163,722
−HK$5,018/mo
Today · 4.125%
HK$168,740
baseline
▲ 0.50% · 4.625%
HK$179,008
+HK$10,268/mo
Deposit HK$3.87M · loan HK$34.82M · min. income ≈ HK$337,480/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,644,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,644
−HK$9,544/mo
▼ 0.25% · 3.875%
HK$181,382
−HK$4,806/mo
Today · 4.125%
HK$186,188
baseline
▲ 0.50% · 4.625%
HK$196,002
+HK$9,814/mo
Deposit HK$3.87M · loan HK$34.82M · min. income ≈ HK$372,376/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,644,133 · Scale 2, in force from 26 Feb 2026)