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$88,331
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$91,079
−HK$2,791/mo
Today · 4.125%
HK$93,870
baseline
▲ 0.50% · 4.625%
HK$99,582
+HK$5,712/mo
Deposit HK$19.37M · loan HK$19.37M · min. income ≈ HK$187,740/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$1,646,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,268
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$100,903
−HK$2,674/mo
Today · 4.125%
HK$103,577
baseline
▲ 0.50% · 4.625%
HK$109,036
+HK$5,459/mo
Deposit HK$19.37M · loan HK$19.37M · min. income ≈ HK$207,154/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$1,646,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,997
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$109,295
−HK$3,349/mo
Today · 4.125%
HK$112,644
baseline
▲ 0.50% · 4.625%
HK$119,499
+HK$6,855/mo
Deposit HK$15.49M · loan HK$23.24M · min. income ≈ HK$225,288/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,646,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,921
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$121,084
−HK$3,208/mo
Today · 4.125%
HK$124,292
baseline
▲ 0.50% · 4.625%
HK$130,844
+HK$6,552/mo
Deposit HK$15.49M · loan HK$23.24M · min. income ≈ HK$248,584/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,646,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,664
−HK$7,754/mo
▼ 0.25% · 3.875%
HK$127,510
−HK$3,908/mo
Today · 4.125%
HK$131,418
baseline
▲ 0.50% · 4.625%
HK$139,415
+HK$7,997/mo
Deposit HK$11.62M · loan HK$27.12M · min. income ≈ HK$262,836/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,646,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,575
−HK$7,432/mo
▼ 0.25% · 3.875%
HK$141,264
−HK$3,743/mo
Today · 4.125%
HK$145,007
baseline
▲ 0.50% · 4.625%
HK$152,651
+HK$7,644/mo
Deposit HK$11.62M · loan HK$27.12M · min. income ≈ HK$290,014/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,646,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,996
−HK$9,971/mo
▼ 0.25% · 3.875%
HK$163,942
−HK$5,025/mo
Today · 4.125%
HK$168,967
baseline
▲ 0.50% · 4.625%
HK$179,248
+HK$10,281/mo
Deposit HK$3.87M · loan HK$34.86M · min. income ≈ HK$337,934/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,646,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,882
−HK$9,556/mo
▼ 0.25% · 3.875%
HK$181,625
−HK$4,813/mo
Today · 4.125%
HK$186,438
baseline
▲ 0.50% · 4.625%
HK$196,265
+HK$9,827/mo
Deposit HK$3.87M · loan HK$34.86M · min. income ≈ HK$372,876/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,646,339 · Scale 2, in force from 26 Feb 2026)