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$88,175
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,917
−HK$2,787/mo
Today · 4.125%
HK$93,704
baseline
▲ 0.50% · 4.625%
HK$99,406
+HK$5,702/mo
Deposit HK$19.33M · loan HK$19.33M · min. income ≈ HK$187,408/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$1,643,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,093
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,724
−HK$2,669/mo
Today · 4.125%
HK$103,393
baseline
▲ 0.50% · 4.625%
HK$108,843
+HK$5,450/mo
Deposit HK$19.33M · loan HK$19.33M · min. income ≈ HK$206,786/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$1,643,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,810
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$109,101
−HK$3,344/mo
Today · 4.125%
HK$112,445
baseline
▲ 0.50% · 4.625%
HK$119,287
+HK$6,842/mo
Deposit HK$15.47M · loan HK$23.20M · min. income ≈ HK$224,890/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,643,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,712
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$120,869
−HK$3,203/mo
Today · 4.125%
HK$124,072
baseline
▲ 0.50% · 4.625%
HK$130,612
+HK$6,540/mo
Deposit HK$15.47M · loan HK$23.20M · min. income ≈ HK$248,144/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,643,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,444
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$127,284
−HK$3,902/mo
Today · 4.125%
HK$131,186
baseline
▲ 0.50% · 4.625%
HK$139,168
+HK$7,982/mo
Deposit HK$11.60M · loan HK$27.07M · min. income ≈ HK$262,372/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,643,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,331
−HK$7,419/mo
▼ 0.25% · 3.875%
HK$141,014
−HK$3,736/mo
Today · 4.125%
HK$144,750
baseline
▲ 0.50% · 4.625%
HK$152,380
+HK$7,630/mo
Deposit HK$11.60M · loan HK$27.07M · min. income ≈ HK$289,500/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,643,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,714
−HK$9,953/mo
▼ 0.25% · 3.875%
HK$163,651
−HK$5,016/mo
Today · 4.125%
HK$168,667
baseline
▲ 0.50% · 4.625%
HK$178,930
+HK$10,263/mo
Deposit HK$3.87M · loan HK$34.80M · min. income ≈ HK$337,334/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,643,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,568
−HK$9,540/mo
▼ 0.25% · 3.875%
HK$181,304
−HK$4,804/mo
Today · 4.125%
HK$186,108
baseline
▲ 0.50% · 4.625%
HK$195,918
+HK$9,810/mo
Deposit HK$3.87M · loan HK$34.80M · min. income ≈ HK$372,216/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,643,422 · Scale 2, in force from 26 Feb 2026)