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$88,216
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$90,960
−HK$2,788/mo
Today · 4.125%
HK$93,748
baseline
▲ 0.50% · 4.625%
HK$99,452
+HK$5,704/mo
Deposit HK$19.34M · loan HK$19.34M · min. income ≈ HK$187,496/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$1,644,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,140
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$100,772
−HK$2,670/mo
Today · 4.125%
HK$103,442
baseline
▲ 0.50% · 4.625%
HK$108,894
+HK$5,452/mo
Deposit HK$19.34M · loan HK$19.34M · min. income ≈ HK$206,884/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$1,644,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,859
−HK$6,639/mo
▼ 0.25% · 3.875%
HK$109,152
−HK$3,346/mo
Today · 4.125%
HK$112,498
baseline
▲ 0.50% · 4.625%
HK$119,343
+HK$6,845/mo
Deposit HK$15.47M · loan HK$23.21M · min. income ≈ HK$224,996/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,644,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,767
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$120,926
−HK$3,204/mo
Today · 4.125%
HK$124,130
baseline
▲ 0.50% · 4.625%
HK$130,673
+HK$6,543/mo
Deposit HK$15.47M · loan HK$23.21M · min. income ≈ HK$248,260/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,644,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,503
−HK$7,744/mo
▼ 0.25% · 3.875%
HK$127,344
−HK$3,903/mo
Today · 4.125%
HK$131,247
baseline
▲ 0.50% · 4.625%
HK$139,233
+HK$7,986/mo
Deposit HK$11.61M · loan HK$27.08M · min. income ≈ HK$262,494/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,644,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,395
−HK$7,423/mo
▼ 0.25% · 3.875%
HK$141,080
−HK$3,738/mo
Today · 4.125%
HK$144,818
baseline
▲ 0.50% · 4.625%
HK$152,452
+HK$7,634/mo
Deposit HK$11.61M · loan HK$27.08M · min. income ≈ HK$289,636/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,644,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,789
−HK$9,957/mo
▼ 0.25% · 3.875%
HK$163,728
−HK$5,018/mo
Today · 4.125%
HK$168,746
baseline
▲ 0.50% · 4.625%
HK$179,014
+HK$10,268/mo
Deposit HK$3.87M · loan HK$34.82M · min. income ≈ HK$337,492/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,644,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,651
−HK$9,544/mo
▼ 0.25% · 3.875%
HK$181,389
−HK$4,806/mo
Today · 4.125%
HK$186,195
baseline
▲ 0.50% · 4.625%
HK$196,010
+HK$9,815/mo
Deposit HK$3.87M · loan HK$34.82M · min. income ≈ HK$372,390/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,644,194 · Scale 2, in force from 26 Feb 2026)