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$88,807
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$91,569
−HK$2,807/mo
Today · 4.125%
HK$94,376
baseline
▲ 0.50% · 4.625%
HK$100,119
+HK$5,743/mo
Deposit HK$19.47M · loan HK$19.47M · min. income ≈ HK$188,752/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$1,655,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,797
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$101,447
−HK$2,688/mo
Today · 4.125%
HK$104,135
baseline
▲ 0.50% · 4.625%
HK$109,624
+HK$5,489/mo
Deposit HK$19.47M · loan HK$19.47M · min. income ≈ HK$208,270/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$1,655,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,568
−HK$6,683/mo
▼ 0.25% · 3.875%
HK$109,883
−HK$3,368/mo
Today · 4.125%
HK$113,251
baseline
▲ 0.50% · 4.625%
HK$120,142
+HK$6,891/mo
Deposit HK$15.58M · loan HK$23.37M · min. income ≈ HK$226,502/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,655,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,556
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$121,736
−HK$3,226/mo
Today · 4.125%
HK$124,962
baseline
▲ 0.50% · 4.625%
HK$131,548
+HK$6,586/mo
Deposit HK$15.58M · loan HK$23.37M · min. income ≈ HK$249,924/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,655,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,330
−HK$7,796/mo
▼ 0.25% · 3.875%
HK$128,197
−HK$3,929/mo
Today · 4.125%
HK$132,126
baseline
▲ 0.50% · 4.625%
HK$140,166
+HK$8,040/mo
Deposit HK$11.68M · loan HK$27.26M · min. income ≈ HK$264,252/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,316
−HK$7,472/mo
▼ 0.25% · 3.875%
HK$142,025
−HK$3,763/mo
Today · 4.125%
HK$145,788
baseline
▲ 0.50% · 4.625%
HK$153,473
+HK$7,685/mo
Deposit HK$11.68M · loan HK$27.26M · min. income ≈ HK$291,576/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,853
−HK$10,024/mo
▼ 0.25% · 3.875%
HK$164,825
−HK$5,052/mo
Today · 4.125%
HK$169,877
baseline
▲ 0.50% · 4.625%
HK$180,213
+HK$10,336/mo
Deposit HK$3.89M · loan HK$35.05M · min. income ≈ HK$339,754/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,834
−HK$9,608/mo
▼ 0.25% · 3.875%
HK$182,604
−HK$4,838/mo
Today · 4.125%
HK$187,442
baseline
▲ 0.50% · 4.625%
HK$197,323
+HK$9,881/mo
Deposit HK$3.89M · loan HK$35.05M · min. income ≈ HK$374,884/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,208 · Scale 2, in force from 26 Feb 2026)