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$88,207
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$90,951
−HK$2,788/mo
Today · 4.125%
HK$93,739
baseline
▲ 0.50% · 4.625%
HK$99,443
+HK$5,704/mo
Deposit HK$19.34M · loan HK$19.34M · min. income ≈ HK$187,478/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$1,644,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,130
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$100,762
−HK$2,670/mo
Today · 4.125%
HK$103,432
baseline
▲ 0.50% · 4.625%
HK$108,884
+HK$5,452/mo
Deposit HK$19.34M · loan HK$19.34M · min. income ≈ HK$206,864/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$1,644,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,849
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$109,141
−HK$3,346/mo
Today · 4.125%
HK$112,487
baseline
▲ 0.50% · 4.625%
HK$119,331
+HK$6,844/mo
Deposit HK$15.47M · loan HK$23.21M · min. income ≈ HK$224,974/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,644,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,756
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$120,914
−HK$3,204/mo
Today · 4.125%
HK$124,118
baseline
▲ 0.50% · 4.625%
HK$130,660
+HK$6,542/mo
Deposit HK$15.47M · loan HK$23.21M · min. income ≈ HK$248,236/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,644,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,490
−HK$7,744/mo
▼ 0.25% · 3.875%
HK$127,332
−HK$3,902/mo
Today · 4.125%
HK$131,234
baseline
▲ 0.50% · 4.625%
HK$139,220
+HK$7,986/mo
Deposit HK$11.60M · loan HK$27.08M · min. income ≈ HK$262,468/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,644,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,382
−HK$7,422/mo
▼ 0.25% · 3.875%
HK$141,066
−HK$3,738/mo
Today · 4.125%
HK$144,804
baseline
▲ 0.50% · 4.625%
HK$152,437
+HK$7,633/mo
Deposit HK$11.60M · loan HK$27.08M · min. income ≈ HK$289,608/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,644,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,773
−HK$9,957/mo
▼ 0.25% · 3.875%
HK$163,712
−HK$5,018/mo
Today · 4.125%
HK$168,730
baseline
▲ 0.50% · 4.625%
HK$178,997
+HK$10,267/mo
Deposit HK$3.87M · loan HK$34.81M · min. income ≈ HK$337,460/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,644,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,634
−HK$9,543/mo
▼ 0.25% · 3.875%
HK$181,371
−HK$4,806/mo
Today · 4.125%
HK$186,177
baseline
▲ 0.50% · 4.625%
HK$195,990
+HK$9,813/mo
Deposit HK$3.87M · loan HK$34.81M · min. income ≈ HK$372,354/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,644,033 · Scale 2, in force from 26 Feb 2026)