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$88,557
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$91,312
−HK$2,799/mo
Today · 4.125%
HK$94,111
baseline
▲ 0.50% · 4.625%
HK$99,837
+HK$5,726/mo
Deposit HK$19.42M · loan HK$19.42M · min. income ≈ HK$188,222/mo (50% DSR)
Upfront cash ≈ HK$21.07M (deposit + AVD stamp duty HK$1,650,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,519
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$101,161
−HK$2,681/mo
Today · 4.125%
HK$103,842
baseline
▲ 0.50% · 4.625%
HK$109,316
+HK$5,474/mo
Deposit HK$19.42M · loan HK$19.42M · min. income ≈ HK$207,684/mo (50% DSR)
Upfront cash ≈ HK$21.07M (deposit + AVD stamp duty HK$1,650,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,269
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$109,574
−HK$3,359/mo
Today · 4.125%
HK$112,933
baseline
▲ 0.50% · 4.625%
HK$119,805
+HK$6,872/mo
Deposit HK$15.53M · loan HK$23.30M · min. income ≈ HK$225,866/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,650,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,223
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$121,394
−HK$3,216/mo
Today · 4.125%
HK$124,610
baseline
▲ 0.50% · 4.625%
HK$131,179
+HK$6,569/mo
Deposit HK$15.53M · loan HK$23.30M · min. income ≈ HK$249,220/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,650,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,980
−HK$7,775/mo
▼ 0.25% · 3.875%
HK$127,837
−HK$3,918/mo
Today · 4.125%
HK$131,755
baseline
▲ 0.50% · 4.625%
HK$139,772
+HK$8,017/mo
Deposit HK$11.65M · loan HK$27.19M · min. income ≈ HK$263,510/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,650,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,927
−HK$7,452/mo
▼ 0.25% · 3.875%
HK$141,626
−HK$3,753/mo
Today · 4.125%
HK$145,379
baseline
▲ 0.50% · 4.625%
HK$153,042
+HK$7,663/mo
Deposit HK$11.65M · loan HK$27.19M · min. income ≈ HK$290,758/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,650,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,403
−HK$9,996/mo
▼ 0.25% · 3.875%
HK$164,362
−HK$5,037/mo
Today · 4.125%
HK$169,399
baseline
▲ 0.50% · 4.625%
HK$179,707
+HK$10,308/mo
Deposit HK$3.88M · loan HK$34.95M · min. income ≈ HK$338,798/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,650,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,335
−HK$9,580/mo
▼ 0.25% · 3.875%
HK$182,091
−HK$4,824/mo
Today · 4.125%
HK$186,915
baseline
▲ 0.50% · 4.625%
HK$196,768
+HK$9,853/mo
Deposit HK$3.88M · loan HK$34.95M · min. income ≈ HK$373,830/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,650,555 · Scale 2, in force from 26 Feb 2026)