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$88,777
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,538
−HK$2,806/mo
Today · 4.125%
HK$94,344
baseline
▲ 0.50% · 4.625%
HK$100,085
+HK$5,741/mo
Deposit HK$19.47M · loan HK$19.47M · min. income ≈ HK$188,688/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$1,654,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,763
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,412
−HK$2,687/mo
Today · 4.125%
HK$104,099
baseline
▲ 0.50% · 4.625%
HK$109,586
+HK$5,487/mo
Deposit HK$19.47M · loan HK$19.47M · min. income ≈ HK$208,198/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$1,654,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,532
−HK$6,681/mo
▼ 0.25% · 3.875%
HK$109,846
−HK$3,367/mo
Today · 4.125%
HK$113,213
baseline
▲ 0.50% · 4.625%
HK$120,101
+HK$6,888/mo
Deposit HK$15.57M · loan HK$23.36M · min. income ≈ HK$226,426/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,654,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,516
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$121,695
−HK$3,224/mo
Today · 4.125%
HK$124,919
baseline
▲ 0.50% · 4.625%
HK$131,504
+HK$6,585/mo
Deposit HK$15.57M · loan HK$23.36M · min. income ≈ HK$249,838/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,654,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,288
−HK$7,794/mo
▼ 0.25% · 3.875%
HK$128,154
−HK$3,928/mo
Today · 4.125%
HK$132,082
baseline
▲ 0.50% · 4.625%
HK$140,118
+HK$8,036/mo
Deposit HK$11.68M · loan HK$27.25M · min. income ≈ HK$264,164/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,654,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,269
−HK$7,470/mo
▼ 0.25% · 3.875%
HK$141,977
−HK$3,762/mo
Today · 4.125%
HK$145,739
baseline
▲ 0.50% · 4.625%
HK$153,421
+HK$7,682/mo
Deposit HK$11.68M · loan HK$27.25M · min. income ≈ HK$291,478/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,654,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,798
−HK$10,021/mo
▼ 0.25% · 3.875%
HK$164,769
−HK$5,050/mo
Today · 4.125%
HK$169,819
baseline
▲ 0.50% · 4.625%
HK$180,152
+HK$10,333/mo
Deposit HK$3.89M · loan HK$35.04M · min. income ≈ HK$339,638/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,774
−HK$9,605/mo
▼ 0.25% · 3.875%
HK$182,542
−HK$4,837/mo
Today · 4.125%
HK$187,379
baseline
▲ 0.50% · 4.625%
HK$197,256
+HK$9,877/mo
Deposit HK$3.89M · loan HK$35.04M · min. income ≈ HK$374,758/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,646 · Scale 2, in force from 26 Feb 2026)