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$88,482
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$91,235
−HK$2,796/mo
Today · 4.125%
HK$94,031
baseline
▲ 0.50% · 4.625%
HK$99,753
+HK$5,722/mo
Deposit HK$19.40M · loan HK$19.40M · min. income ≈ HK$188,062/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,649,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,436
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$101,076
−HK$2,678/mo
Today · 4.125%
HK$103,754
baseline
▲ 0.50% · 4.625%
HK$109,223
+HK$5,469/mo
Deposit HK$19.40M · loan HK$19.40M · min. income ≈ HK$207,508/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,649,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,179
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$109,482
−HK$3,355/mo
Today · 4.125%
HK$112,837
baseline
▲ 0.50% · 4.625%
HK$119,703
+HK$6,866/mo
Deposit HK$15.52M · loan HK$23.28M · min. income ≈ HK$225,674/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,649,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,123
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$121,291
−HK$3,214/mo
Today · 4.125%
HK$124,505
baseline
▲ 0.50% · 4.625%
HK$131,068
+HK$6,563/mo
Deposit HK$15.52M · loan HK$23.28M · min. income ≈ HK$249,010/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,649,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,875
−HK$7,768/mo
▼ 0.25% · 3.875%
HK$127,729
−HK$3,914/mo
Today · 4.125%
HK$131,643
baseline
▲ 0.50% · 4.625%
HK$139,654
+HK$8,011/mo
Deposit HK$11.64M · loan HK$27.16M · min. income ≈ HK$263,286/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,810
−HK$7,446/mo
▼ 0.25% · 3.875%
HK$141,506
−HK$3,750/mo
Today · 4.125%
HK$145,256
baseline
▲ 0.50% · 4.625%
HK$152,912
+HK$7,656/mo
Deposit HK$11.64M · loan HK$27.16M · min. income ≈ HK$290,512/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,268
−HK$9,988/mo
▼ 0.25% · 3.875%
HK$164,222
−HK$5,034/mo
Today · 4.125%
HK$169,256
baseline
▲ 0.50% · 4.625%
HK$179,555
+HK$10,299/mo
Deposit HK$3.88M · loan HK$34.92M · min. income ≈ HK$338,512/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,184
−HK$9,573/mo
▼ 0.25% · 3.875%
HK$181,936
−HK$4,821/mo
Today · 4.125%
HK$186,757
baseline
▲ 0.50% · 4.625%
HK$196,601
+HK$9,844/mo
Deposit HK$3.88M · loan HK$34.92M · min. income ≈ HK$373,514/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,158 · Scale 2, in force from 26 Feb 2026)