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$88,687
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,446
−HK$2,803/mo
Today · 4.125%
HK$94,249
baseline
▲ 0.50% · 4.625%
HK$99,984
+HK$5,735/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$188,498/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,652,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,664
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$101,310
−HK$2,684/mo
Today · 4.125%
HK$103,994
baseline
▲ 0.50% · 4.625%
HK$109,476
+HK$5,482/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$207,988/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,652,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,425
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$109,735
−HK$3,364/mo
Today · 4.125%
HK$113,099
baseline
▲ 0.50% · 4.625%
HK$119,980
+HK$6,881/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$226,198/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,652,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,397
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$121,572
−HK$3,221/mo
Today · 4.125%
HK$124,793
baseline
▲ 0.50% · 4.625%
HK$131,371
+HK$6,578/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$249,586/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,652,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,162
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$128,024
−HK$3,924/mo
Today · 4.125%
HK$131,948
baseline
▲ 0.50% · 4.625%
HK$139,977
+HK$8,029/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$263,896/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,129
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$141,834
−HK$3,758/mo
Today · 4.125%
HK$145,592
baseline
▲ 0.50% · 4.625%
HK$153,266
+HK$7,674/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$291,184/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,637
−HK$10,011/mo
▼ 0.25% · 3.875%
HK$164,603
−HK$5,045/mo
Today · 4.125%
HK$169,648
baseline
▲ 0.50% · 4.625%
HK$179,971
+HK$10,323/mo
Deposit HK$3.89M · loan HK$35.00M · min. income ≈ HK$339,296/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,595
−HK$9,595/mo
▼ 0.25% · 3.875%
HK$182,358
−HK$4,832/mo
Today · 4.125%
HK$187,190
baseline
▲ 0.50% · 4.625%
HK$197,057
+HK$9,867/mo
Deposit HK$3.89M · loan HK$35.00M · min. income ≈ HK$374,380/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,978 · Scale 2, in force from 26 Feb 2026)