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$88,064
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,804
−HK$2,783/mo
Today · 4.125%
HK$93,587
baseline
▲ 0.50% · 4.625%
HK$99,281
+HK$5,694/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$187,174/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$1,641,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,971
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,598
−HK$2,666/mo
Today · 4.125%
HK$103,264
baseline
▲ 0.50% · 4.625%
HK$108,707
+HK$5,443/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$206,528/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$1,641,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,677
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$108,964
−HK$3,340/mo
Today · 4.125%
HK$112,304
baseline
▲ 0.50% · 4.625%
HK$119,138
+HK$6,834/mo
Deposit HK$15.45M · loan HK$23.17M · min. income ≈ HK$224,608/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,565
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$120,718
−HK$3,199/mo
Today · 4.125%
HK$123,917
baseline
▲ 0.50% · 4.625%
HK$130,448
+HK$6,531/mo
Deposit HK$15.45M · loan HK$23.17M · min. income ≈ HK$247,834/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,290
−HK$7,732/mo
▼ 0.25% · 3.875%
HK$127,125
−HK$3,897/mo
Today · 4.125%
HK$131,022
baseline
▲ 0.50% · 4.625%
HK$138,994
+HK$7,972/mo
Deposit HK$11.59M · loan HK$27.03M · min. income ≈ HK$262,044/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,159
−HK$7,410/mo
▼ 0.25% · 3.875%
HK$140,838
−HK$3,731/mo
Today · 4.125%
HK$144,569
baseline
▲ 0.50% · 4.625%
HK$152,190
+HK$7,621/mo
Deposit HK$11.59M · loan HK$27.03M · min. income ≈ HK$289,138/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,516
−HK$9,940/mo
▼ 0.25% · 3.875%
HK$163,447
−HK$5,009/mo
Today · 4.125%
HK$168,456
baseline
▲ 0.50% · 4.625%
HK$178,706
+HK$10,250/mo
Deposit HK$3.86M · loan HK$34.76M · min. income ≈ HK$336,912/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,347
−HK$9,528/mo
▼ 0.25% · 3.875%
HK$181,077
−HK$4,798/mo
Today · 4.125%
HK$185,875
baseline
▲ 0.50% · 4.625%
HK$195,673
+HK$9,798/mo
Deposit HK$3.86M · loan HK$34.76M · min. income ≈ HK$371,750/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,367 · Scale 2, in force from 26 Feb 2026)