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$88,651
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,408
−HK$2,802/mo
Today · 4.125%
HK$94,210
baseline
▲ 0.50% · 4.625%
HK$99,942
+HK$5,732/mo
Deposit HK$19.44M · loan HK$19.44M · min. income ≈ HK$188,420/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$1,652,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,623
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,268
−HK$2,683/mo
Today · 4.125%
HK$103,951
baseline
▲ 0.50% · 4.625%
HK$109,431
+HK$5,480/mo
Deposit HK$19.44M · loan HK$19.44M · min. income ≈ HK$207,902/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$1,652,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,381
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$109,690
−HK$3,362/mo
Today · 4.125%
HK$113,052
baseline
▲ 0.50% · 4.625%
HK$119,931
+HK$6,879/mo
Deposit HK$15.55M · loan HK$23.33M · min. income ≈ HK$226,104/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,652,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,348
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$121,522
−HK$3,220/mo
Today · 4.125%
HK$124,742
baseline
▲ 0.50% · 4.625%
HK$131,317
+HK$6,575/mo
Deposit HK$15.55M · loan HK$23.33M · min. income ≈ HK$249,484/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,652,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,111
−HK$7,783/mo
▼ 0.25% · 3.875%
HK$127,972
−HK$3,922/mo
Today · 4.125%
HK$131,894
baseline
▲ 0.50% · 4.625%
HK$139,919
+HK$8,025/mo
Deposit HK$11.66M · loan HK$27.21M · min. income ≈ HK$263,788/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,072
−HK$7,460/mo
▼ 0.25% · 3.875%
HK$141,775
−HK$3,757/mo
Today · 4.125%
HK$145,532
baseline
▲ 0.50% · 4.625%
HK$153,203
+HK$7,671/mo
Deposit HK$11.66M · loan HK$27.21M · min. income ≈ HK$291,064/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,571
−HK$10,007/mo
▼ 0.25% · 3.875%
HK$164,535
−HK$5,043/mo
Today · 4.125%
HK$169,578
baseline
▲ 0.50% · 4.625%
HK$179,896
+HK$10,318/mo
Deposit HK$3.89M · loan HK$34.99M · min. income ≈ HK$339,156/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,521
−HK$9,591/mo
▼ 0.25% · 3.875%
HK$182,282
−HK$4,830/mo
Today · 4.125%
HK$187,112
baseline
▲ 0.50% · 4.625%
HK$196,975
+HK$9,863/mo
Deposit HK$3.89M · loan HK$34.99M · min. income ≈ HK$374,224/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,295 · Scale 2, in force from 26 Feb 2026)