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$88,334
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$91,082
−HK$2,791/mo
Today · 4.125%
HK$93,873
baseline
▲ 0.50% · 4.625%
HK$99,585
+HK$5,712/mo
Deposit HK$19.37M · loan HK$19.37M · min. income ≈ HK$187,746/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$1,646,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,271
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$100,906
−HK$2,674/mo
Today · 4.125%
HK$103,580
baseline
▲ 0.50% · 4.625%
HK$109,040
+HK$5,460/mo
Deposit HK$19.37M · loan HK$19.37M · min. income ≈ HK$207,160/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$1,646,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,001
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$109,298
−HK$3,350/mo
Today · 4.125%
HK$112,648
baseline
▲ 0.50% · 4.625%
HK$119,502
+HK$6,854/mo
Deposit HK$15.50M · loan HK$23.24M · min. income ≈ HK$225,296/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,646,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,925
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$121,087
−HK$3,209/mo
Today · 4.125%
HK$124,296
baseline
▲ 0.50% · 4.625%
HK$130,848
+HK$6,552/mo
Deposit HK$15.50M · loan HK$23.24M · min. income ≈ HK$248,592/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,646,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,667
−HK$7,755/mo
▼ 0.25% · 3.875%
HK$127,514
−HK$3,908/mo
Today · 4.125%
HK$131,422
baseline
▲ 0.50% · 4.625%
HK$139,419
+HK$7,997/mo
Deposit HK$11.62M · loan HK$27.12M · min. income ≈ HK$262,844/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,646,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,579
−HK$7,433/mo
▼ 0.25% · 3.875%
HK$141,269
−HK$3,743/mo
Today · 4.125%
HK$145,012
baseline
▲ 0.50% · 4.625%
HK$152,656
+HK$7,644/mo
Deposit HK$11.62M · loan HK$27.12M · min. income ≈ HK$290,024/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,646,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,001
−HK$9,971/mo
▼ 0.25% · 3.875%
HK$163,947
−HK$5,025/mo
Today · 4.125%
HK$168,972
baseline
▲ 0.50% · 4.625%
HK$179,253
+HK$10,281/mo
Deposit HK$3.87M · loan HK$34.86M · min. income ≈ HK$337,944/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,646,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,887
−HK$9,557/mo
▼ 0.25% · 3.875%
HK$181,631
−HK$4,813/mo
Today · 4.125%
HK$186,444
baseline
▲ 0.50% · 4.625%
HK$196,271
+HK$9,827/mo
Deposit HK$3.87M · loan HK$34.86M · min. income ≈ HK$372,888/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,646,390 · Scale 2, in force from 26 Feb 2026)