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$88,499
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$91,252
−HK$2,797/mo
Today · 4.125%
HK$94,049
baseline
▲ 0.50% · 4.625%
HK$99,771
+HK$5,722/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$188,098/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,649,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,454
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$101,095
−HK$2,678/mo
Today · 4.125%
HK$103,773
baseline
▲ 0.50% · 4.625%
HK$109,243
+HK$5,470/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$207,546/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,649,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,199
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$109,502
−HK$3,356/mo
Today · 4.125%
HK$112,858
baseline
▲ 0.50% · 4.625%
HK$119,726
+HK$6,868/mo
Deposit HK$15.52M · loan HK$23.29M · min. income ≈ HK$225,716/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,649,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,145
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$121,314
−HK$3,214/mo
Today · 4.125%
HK$124,528
baseline
▲ 0.50% · 4.625%
HK$131,092
+HK$6,564/mo
Deposit HK$15.52M · loan HK$23.29M · min. income ≈ HK$249,056/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,649,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,899
−HK$7,769/mo
▼ 0.25% · 3.875%
HK$127,753
−HK$3,915/mo
Today · 4.125%
HK$131,668
baseline
▲ 0.50% · 4.625%
HK$139,680
+HK$8,012/mo
Deposit HK$11.64M · loan HK$27.17M · min. income ≈ HK$263,336/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,836
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$141,533
−HK$3,750/mo
Today · 4.125%
HK$145,283
baseline
▲ 0.50% · 4.625%
HK$152,941
+HK$7,658/mo
Deposit HK$11.64M · loan HK$27.17M · min. income ≈ HK$290,566/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,298
−HK$9,990/mo
▼ 0.25% · 3.875%
HK$164,253
−HK$5,035/mo
Today · 4.125%
HK$169,288
baseline
▲ 0.50% · 4.625%
HK$179,588
+HK$10,300/mo
Deposit HK$3.88M · loan HK$34.93M · min. income ≈ HK$338,576/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,218
−HK$9,574/mo
▼ 0.25% · 3.875%
HK$181,970
−HK$4,822/mo
Today · 4.125%
HK$186,792
baseline
▲ 0.50% · 4.625%
HK$196,638
+HK$9,846/mo
Deposit HK$3.88M · loan HK$34.93M · min. income ≈ HK$373,584/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,467 · Scale 2, in force from 26 Feb 2026)