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$88,869
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$91,634
−HK$2,808/mo
Today · 4.125%
HK$94,442
baseline
▲ 0.50% · 4.625%
HK$100,189
+HK$5,747/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$188,884/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$1,656,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,866
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$101,518
−HK$2,690/mo
Today · 4.125%
HK$104,208
baseline
▲ 0.50% · 4.625%
HK$109,701
+HK$5,493/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$208,416/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$1,656,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,643
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$109,960
−HK$3,371/mo
Today · 4.125%
HK$113,331
baseline
▲ 0.50% · 4.625%
HK$120,227
+HK$6,896/mo
Deposit HK$15.59M · loan HK$23.38M · min. income ≈ HK$226,662/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,656,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,640
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$121,821
−HK$3,228/mo
Today · 4.125%
HK$125,049
baseline
▲ 0.50% · 4.625%
HK$131,641
+HK$6,592/mo
Deposit HK$15.59M · loan HK$23.38M · min. income ≈ HK$250,098/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,656,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,417
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$128,287
−HK$3,932/mo
Today · 4.125%
HK$132,219
baseline
▲ 0.50% · 4.625%
HK$140,264
+HK$8,045/mo
Deposit HK$11.69M · loan HK$27.28M · min. income ≈ HK$264,438/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,413
−HK$7,478/mo
▼ 0.25% · 3.875%
HK$142,125
−HK$3,766/mo
Today · 4.125%
HK$145,891
baseline
▲ 0.50% · 4.625%
HK$153,581
+HK$7,690/mo
Deposit HK$11.69M · loan HK$27.28M · min. income ≈ HK$291,782/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,965
−HK$10,031/mo
▼ 0.25% · 3.875%
HK$164,941
−HK$5,055/mo
Today · 4.125%
HK$169,996
baseline
▲ 0.50% · 4.625%
HK$180,340
+HK$10,344/mo
Deposit HK$3.90M · loan HK$35.08M · min. income ≈ HK$339,992/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,656,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,959
−HK$9,615/mo
▼ 0.25% · 3.875%
HK$182,732
−HK$4,842/mo
Today · 4.125%
HK$187,574
baseline
▲ 0.50% · 4.625%
HK$197,461
+HK$9,887/mo
Deposit HK$3.90M · loan HK$35.08M · min. income ≈ HK$375,148/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,656,370 · Scale 2, in force from 26 Feb 2026)