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$88,384
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,133
−HK$2,794/mo
Today · 4.125%
HK$93,927
baseline
▲ 0.50% · 4.625%
HK$99,642
+HK$5,715/mo
Deposit HK$19.38M · loan HK$19.38M · min. income ≈ HK$187,854/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$1,647,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,326
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,963
−HK$2,676/mo
Today · 4.125%
HK$103,639
baseline
▲ 0.50% · 4.625%
HK$109,102
+HK$5,463/mo
Deposit HK$19.38M · loan HK$19.38M · min. income ≈ HK$207,278/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$1,647,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,061
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$109,360
−HK$3,352/mo
Today · 4.125%
HK$112,712
baseline
▲ 0.50% · 4.625%
HK$119,570
+HK$6,858/mo
Deposit HK$15.50M · loan HK$23.26M · min. income ≈ HK$225,424/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,647,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,992
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$121,156
−HK$3,210/mo
Today · 4.125%
HK$124,366
baseline
▲ 0.50% · 4.625%
HK$130,922
+HK$6,556/mo
Deposit HK$15.50M · loan HK$23.26M · min. income ≈ HK$248,732/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,647,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,738
−HK$7,759/mo
▼ 0.25% · 3.875%
HK$127,587
−HK$3,910/mo
Today · 4.125%
HK$131,497
baseline
▲ 0.50% · 4.625%
HK$139,498
+HK$8,001/mo
Deposit HK$11.63M · loan HK$27.13M · min. income ≈ HK$262,994/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,647,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,657
−HK$7,437/mo
▼ 0.25% · 3.875%
HK$141,349
−HK$3,745/mo
Today · 4.125%
HK$145,094
baseline
▲ 0.50% · 4.625%
HK$152,742
+HK$7,648/mo
Deposit HK$11.63M · loan HK$27.13M · min. income ≈ HK$290,188/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,647,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,091
−HK$9,977/mo
▼ 0.25% · 3.875%
HK$164,040
−HK$5,028/mo
Today · 4.125%
HK$169,068
baseline
▲ 0.50% · 4.625%
HK$179,355
+HK$10,287/mo
Deposit HK$3.88M · loan HK$34.88M · min. income ≈ HK$338,136/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,647,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,988
−HK$9,562/mo
▼ 0.25% · 3.875%
HK$181,734
−HK$4,816/mo
Today · 4.125%
HK$186,550
baseline
▲ 0.50% · 4.625%
HK$196,383
+HK$9,833/mo
Deposit HK$3.88M · loan HK$34.88M · min. income ≈ HK$373,100/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,647,325 · Scale 2, in force from 26 Feb 2026)