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$88,484
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$91,237
−HK$2,796/mo
Today · 4.125%
HK$94,033
baseline
▲ 0.50% · 4.625%
HK$99,755
+HK$5,722/mo
Deposit HK$19.40M · loan HK$19.40M · min. income ≈ HK$188,066/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,649,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,438
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$101,078
−HK$2,678/mo
Today · 4.125%
HK$103,756
baseline
▲ 0.50% · 4.625%
HK$109,225
+HK$5,469/mo
Deposit HK$19.40M · loan HK$19.40M · min. income ≈ HK$207,512/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,649,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,181
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$109,484
−HK$3,356/mo
Today · 4.125%
HK$112,840
baseline
▲ 0.50% · 4.625%
HK$119,706
+HK$6,866/mo
Deposit HK$15.52M · loan HK$23.28M · min. income ≈ HK$225,680/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,649,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,126
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$121,294
−HK$3,214/mo
Today · 4.125%
HK$124,508
baseline
▲ 0.50% · 4.625%
HK$131,071
+HK$6,563/mo
Deposit HK$15.52M · loan HK$23.28M · min. income ≈ HK$249,016/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,649,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,878
−HK$7,768/mo
▼ 0.25% · 3.875%
HK$127,731
−HK$3,915/mo
Today · 4.125%
HK$131,646
baseline
▲ 0.50% · 4.625%
HK$139,657
+HK$8,011/mo
Deposit HK$11.64M · loan HK$27.16M · min. income ≈ HK$263,292/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,813
−HK$7,446/mo
▼ 0.25% · 3.875%
HK$141,509
−HK$3,750/mo
Today · 4.125%
HK$145,259
baseline
▲ 0.50% · 4.625%
HK$152,916
+HK$7,657/mo
Deposit HK$11.64M · loan HK$27.16M · min. income ≈ HK$290,518/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,272
−HK$9,988/mo
▼ 0.25% · 3.875%
HK$164,226
−HK$5,034/mo
Today · 4.125%
HK$169,260
baseline
▲ 0.50% · 4.625%
HK$179,559
+HK$10,299/mo
Deposit HK$3.88M · loan HK$34.92M · min. income ≈ HK$338,520/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,188
−HK$9,573/mo
▼ 0.25% · 3.875%
HK$181,941
−HK$4,820/mo
Today · 4.125%
HK$186,761
baseline
▲ 0.50% · 4.625%
HK$196,606
+HK$9,845/mo
Deposit HK$3.88M · loan HK$34.92M · min. income ≈ HK$373,522/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,195 · Scale 2, in force from 26 Feb 2026)