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$88,600
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$91,356
−HK$2,800/mo
Today · 4.125%
HK$94,156
baseline
▲ 0.50% · 4.625%
HK$99,885
+HK$5,729/mo
Deposit HK$19.43M · loan HK$19.43M · min. income ≈ HK$188,312/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$1,651,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,567
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$101,210
−HK$2,682/mo
Today · 4.125%
HK$103,892
baseline
▲ 0.50% · 4.625%
HK$109,368
+HK$5,476/mo
Deposit HK$19.43M · loan HK$19.43M · min. income ≈ HK$207,784/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$1,651,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,320
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$109,627
−HK$3,360/mo
Today · 4.125%
HK$112,987
baseline
▲ 0.50% · 4.625%
HK$119,862
+HK$6,875/mo
Deposit HK$15.54M · loan HK$23.31M · min. income ≈ HK$225,974/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,651,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,280
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$121,452
−HK$3,218/mo
Today · 4.125%
HK$124,670
baseline
▲ 0.50% · 4.625%
HK$131,242
+HK$6,572/mo
Deposit HK$15.54M · loan HK$23.31M · min. income ≈ HK$249,340/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,651,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,040
−HK$7,778/mo
▼ 0.25% · 3.875%
HK$127,898
−HK$3,920/mo
Today · 4.125%
HK$131,818
baseline
▲ 0.50% · 4.625%
HK$139,839
+HK$8,021/mo
Deposit HK$11.66M · loan HK$27.20M · min. income ≈ HK$263,636/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,651,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,993
−HK$7,455/mo
▼ 0.25% · 3.875%
HK$141,694
−HK$3,754/mo
Today · 4.125%
HK$145,448
baseline
▲ 0.50% · 4.625%
HK$153,115
+HK$7,667/mo
Deposit HK$11.66M · loan HK$27.20M · min. income ≈ HK$290,896/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,651,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,480
−HK$10,001/mo
▼ 0.25% · 3.875%
HK$164,441
−HK$5,040/mo
Today · 4.125%
HK$169,481
baseline
▲ 0.50% · 4.625%
HK$179,793
+HK$10,312/mo
Deposit HK$3.89M · loan HK$34.97M · min. income ≈ HK$338,962/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,651,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,420
−HK$9,585/mo
▼ 0.25% · 3.875%
HK$182,178
−HK$4,827/mo
Today · 4.125%
HK$187,005
baseline
▲ 0.50% · 4.625%
HK$196,863
+HK$9,858/mo
Deposit HK$3.89M · loan HK$34.97M · min. income ≈ HK$374,010/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,651,349 · Scale 2, in force from 26 Feb 2026)