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$88,569
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$91,324
−HK$2,799/mo
Today · 4.125%
HK$94,123
baseline
▲ 0.50% · 4.625%
HK$99,851
+HK$5,728/mo
Deposit HK$19.42M · loan HK$19.42M · min. income ≈ HK$188,246/mo (50% DSR)
Upfront cash ≈ HK$21.07M (deposit + AVD stamp duty HK$1,650,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,532
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$101,175
−HK$2,681/mo
Today · 4.125%
HK$103,856
baseline
▲ 0.50% · 4.625%
HK$109,330
+HK$5,474/mo
Deposit HK$19.42M · loan HK$19.42M · min. income ≈ HK$207,712/mo (50% DSR)
Upfront cash ≈ HK$21.07M (deposit + AVD stamp duty HK$1,650,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,283
−HK$6,665/mo
▼ 0.25% · 3.875%
HK$109,589
−HK$3,359/mo
Today · 4.125%
HK$112,948
baseline
▲ 0.50% · 4.625%
HK$119,821
+HK$6,873/mo
Deposit HK$15.54M · loan HK$23.31M · min. income ≈ HK$225,896/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,650,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,239
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$121,410
−HK$3,217/mo
Today · 4.125%
HK$124,627
baseline
▲ 0.50% · 4.625%
HK$131,196
+HK$6,569/mo
Deposit HK$15.54M · loan HK$23.31M · min. income ≈ HK$249,254/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,650,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,997
−HK$7,776/mo
▼ 0.25% · 3.875%
HK$127,854
−HK$3,919/mo
Today · 4.125%
HK$131,773
baseline
▲ 0.50% · 4.625%
HK$139,791
+HK$8,018/mo
Deposit HK$11.65M · loan HK$27.19M · min. income ≈ HK$263,546/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,650,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,945
−HK$7,453/mo
▼ 0.25% · 3.875%
HK$141,645
−HK$3,753/mo
Today · 4.125%
HK$145,398
baseline
▲ 0.50% · 4.625%
HK$153,062
+HK$7,664/mo
Deposit HK$11.65M · loan HK$27.19M · min. income ≈ HK$290,796/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,650,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,425
−HK$9,997/mo
▼ 0.25% · 3.875%
HK$164,384
−HK$5,038/mo
Today · 4.125%
HK$169,422
baseline
▲ 0.50% · 4.625%
HK$179,731
+HK$10,309/mo
Deposit HK$3.88M · loan HK$34.96M · min. income ≈ HK$338,844/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,650,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,358
−HK$9,582/mo
▼ 0.25% · 3.875%
HK$182,115
−HK$4,825/mo
Today · 4.125%
HK$186,940
baseline
▲ 0.50% · 4.625%
HK$196,794
+HK$9,854/mo
Deposit HK$3.88M · loan HK$34.96M · min. income ≈ HK$373,880/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,650,777 · Scale 2, in force from 26 Feb 2026)