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$88,882
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$91,647
−HK$2,809/mo
Today · 4.125%
HK$94,456
baseline
▲ 0.50% · 4.625%
HK$100,203
+HK$5,747/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$188,912/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,656,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,881
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$101,532
−HK$2,691/mo
Today · 4.125%
HK$104,223
baseline
▲ 0.50% · 4.625%
HK$109,716
+HK$5,493/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$208,446/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,656,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,659
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$109,976
−HK$3,371/mo
Today · 4.125%
HK$113,347
baseline
▲ 0.50% · 4.625%
HK$120,244
+HK$6,897/mo
Deposit HK$15.59M · loan HK$23.39M · min. income ≈ HK$226,694/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,656,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,657
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$121,839
−HK$3,228/mo
Today · 4.125%
HK$125,067
baseline
▲ 0.50% · 4.625%
HK$131,660
+HK$6,593/mo
Deposit HK$15.59M · loan HK$23.39M · min. income ≈ HK$250,134/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,656,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,435
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$128,306
−HK$3,932/mo
Today · 4.125%
HK$132,238
baseline
▲ 0.50% · 4.625%
HK$140,285
+HK$8,047/mo
Deposit HK$11.69M · loan HK$27.29M · min. income ≈ HK$264,476/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,433
−HK$7,479/mo
▼ 0.25% · 3.875%
HK$142,145
−HK$3,767/mo
Today · 4.125%
HK$145,912
baseline
▲ 0.50% · 4.625%
HK$153,603
+HK$7,691/mo
Deposit HK$11.69M · loan HK$27.29M · min. income ≈ HK$291,824/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,988
−HK$10,033/mo
▼ 0.25% · 3.875%
HK$164,965
−HK$5,056/mo
Today · 4.125%
HK$170,021
baseline
▲ 0.50% · 4.625%
HK$180,366
+HK$10,345/mo
Deposit HK$3.90M · loan HK$35.08M · min. income ≈ HK$340,042/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,656,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,985
−HK$9,616/mo
▼ 0.25% · 3.875%
HK$182,758
−HK$4,843/mo
Today · 4.125%
HK$187,601
baseline
▲ 0.50% · 4.625%
HK$197,490
+HK$9,889/mo
Deposit HK$3.90M · loan HK$35.08M · min. income ≈ HK$375,202/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,656,610 · Scale 2, in force from 26 Feb 2026)