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$88,698
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,457
−HK$2,804/mo
Today · 4.125%
HK$94,261
baseline
▲ 0.50% · 4.625%
HK$99,996
+HK$5,735/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$188,522/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,653,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,676
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,323
−HK$2,684/mo
Today · 4.125%
HK$104,007
baseline
▲ 0.50% · 4.625%
HK$109,490
+HK$5,483/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$208,014/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,653,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,438
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$109,749
−HK$3,364/mo
Today · 4.125%
HK$113,113
baseline
▲ 0.50% · 4.625%
HK$119,995
+HK$6,882/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$226,226/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,653,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,411
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$121,587
−HK$3,222/mo
Today · 4.125%
HK$124,809
baseline
▲ 0.50% · 4.625%
HK$131,388
+HK$6,579/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$249,618/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,653,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,178
−HK$7,787/mo
▼ 0.25% · 3.875%
HK$128,040
−HK$3,925/mo
Today · 4.125%
HK$131,965
baseline
▲ 0.50% · 4.625%
HK$139,995
+HK$8,030/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$263,930/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,147
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$141,852
−HK$3,758/mo
Today · 4.125%
HK$145,610
baseline
▲ 0.50% · 4.625%
HK$153,286
+HK$7,676/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$291,220/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,657
−HK$10,012/mo
▼ 0.25% · 3.875%
HK$164,623
−HK$5,046/mo
Today · 4.125%
HK$169,669
baseline
▲ 0.50% · 4.625%
HK$179,993
+HK$10,324/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$339,338/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,617
−HK$9,596/mo
▼ 0.25% · 3.875%
HK$182,381
−HK$4,832/mo
Today · 4.125%
HK$187,213
baseline
▲ 0.50% · 4.625%
HK$197,081
+HK$9,868/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$374,426/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,185 · Scale 2, in force from 26 Feb 2026)