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$88,704
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,463
−HK$2,803/mo
Today · 4.125%
HK$94,266
baseline
▲ 0.50% · 4.625%
HK$100,002
+HK$5,736/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$188,532/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,653,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,682
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,329
−HK$2,685/mo
Today · 4.125%
HK$104,014
baseline
▲ 0.50% · 4.625%
HK$109,496
+HK$5,482/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$208,028/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,653,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,445
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$109,756
−HK$3,364/mo
Today · 4.125%
HK$113,120
baseline
▲ 0.50% · 4.625%
HK$120,003
+HK$6,883/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$226,240/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,653,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,419
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$121,595
−HK$3,221/mo
Today · 4.125%
HK$124,816
baseline
▲ 0.50% · 4.625%
HK$131,396
+HK$6,580/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$249,632/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,653,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,185
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$128,048
−HK$3,925/mo
Today · 4.125%
HK$131,973
baseline
▲ 0.50% · 4.625%
HK$140,003
+HK$8,030/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$263,946/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,155
−HK$7,464/mo
▼ 0.25% · 3.875%
HK$141,860
−HK$3,759/mo
Today · 4.125%
HK$145,619
baseline
▲ 0.50% · 4.625%
HK$153,295
+HK$7,676/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$291,238/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,667
−HK$10,013/mo
▼ 0.25% · 3.875%
HK$164,634
−HK$5,046/mo
Today · 4.125%
HK$169,680
baseline
▲ 0.50% · 4.625%
HK$180,004
+HK$10,324/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$339,360/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,628
−HK$9,597/mo
▼ 0.25% · 3.875%
HK$182,392
−HK$4,833/mo
Today · 4.125%
HK$187,225
baseline
▲ 0.50% · 4.625%
HK$197,094
+HK$9,869/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$374,450/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,286 · Scale 2, in force from 26 Feb 2026)