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$88,392
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,141
−HK$2,794/mo
Today · 4.125%
HK$93,935
baseline
▲ 0.50% · 4.625%
HK$99,650
+HK$5,715/mo
Deposit HK$19.38M · loan HK$19.38M · min. income ≈ HK$187,870/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$1,647,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,335
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,972
−HK$2,676/mo
Today · 4.125%
HK$103,648
baseline
▲ 0.50% · 4.625%
HK$109,111
+HK$5,463/mo
Deposit HK$19.38M · loan HK$19.38M · min. income ≈ HK$207,296/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$1,647,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,070
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$109,369
−HK$3,353/mo
Today · 4.125%
HK$112,722
baseline
▲ 0.50% · 4.625%
HK$119,580
+HK$6,858/mo
Deposit HK$15.51M · loan HK$23.26M · min. income ≈ HK$225,444/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,647,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,002
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$121,167
−HK$3,210/mo
Today · 4.125%
HK$124,377
baseline
▲ 0.50% · 4.625%
HK$130,933
+HK$6,556/mo
Deposit HK$15.51M · loan HK$23.26M · min. income ≈ HK$248,754/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,647,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,748
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$127,598
−HK$3,911/mo
Today · 4.125%
HK$131,509
baseline
▲ 0.50% · 4.625%
HK$139,511
+HK$8,002/mo
Deposit HK$11.63M · loan HK$27.13M · min. income ≈ HK$263,018/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,647,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,669
−HK$7,438/mo
▼ 0.25% · 3.875%
HK$141,361
−HK$3,746/mo
Today · 4.125%
HK$145,107
baseline
▲ 0.50% · 4.625%
HK$152,755
+HK$7,648/mo
Deposit HK$11.63M · loan HK$27.13M · min. income ≈ HK$290,214/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,647,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,105
−HK$9,977/mo
▼ 0.25% · 3.875%
HK$164,054
−HK$5,028/mo
Today · 4.125%
HK$169,082
baseline
▲ 0.50% · 4.625%
HK$179,371
+HK$10,289/mo
Deposit HK$3.88M · loan HK$34.89M · min. income ≈ HK$338,164/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,647,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,003
−HK$9,563/mo
▼ 0.25% · 3.875%
HK$181,750
−HK$4,816/mo
Today · 4.125%
HK$186,566
baseline
▲ 0.50% · 4.625%
HK$196,400
+HK$9,834/mo
Deposit HK$3.88M · loan HK$34.89M · min. income ≈ HK$373,132/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,647,468 · Scale 2, in force from 26 Feb 2026)