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$88,312
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$91,059
−HK$2,791/mo
Today · 4.125%
HK$93,850
baseline
▲ 0.50% · 4.625%
HK$99,561
+HK$5,711/mo
Deposit HK$19.36M · loan HK$19.36M · min. income ≈ HK$187,700/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$1,645,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,246
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,881
−HK$2,673/mo
Today · 4.125%
HK$103,554
baseline
▲ 0.50% · 4.625%
HK$109,013
+HK$5,459/mo
Deposit HK$19.36M · loan HK$19.36M · min. income ≈ HK$207,108/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$1,645,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,975
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$109,271
−HK$3,349/mo
Today · 4.125%
HK$112,620
baseline
▲ 0.50% · 4.625%
HK$119,473
+HK$6,853/mo
Deposit HK$15.49M · loan HK$23.24M · min. income ≈ HK$225,240/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,645,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,896
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$121,058
−HK$3,207/mo
Today · 4.125%
HK$124,265
baseline
▲ 0.50% · 4.625%
HK$130,815
+HK$6,550/mo
Deposit HK$15.49M · loan HK$23.24M · min. income ≈ HK$248,530/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,645,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,637
−HK$7,753/mo
▼ 0.25% · 3.875%
HK$127,483
−HK$3,907/mo
Today · 4.125%
HK$131,390
baseline
▲ 0.50% · 4.625%
HK$139,385
+HK$7,995/mo
Deposit HK$11.62M · loan HK$27.11M · min. income ≈ HK$262,780/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,645,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,545
−HK$7,431/mo
▼ 0.25% · 3.875%
HK$141,234
−HK$3,742/mo
Today · 4.125%
HK$144,976
baseline
▲ 0.50% · 4.625%
HK$152,618
+HK$7,642/mo
Deposit HK$11.62M · loan HK$27.11M · min. income ≈ HK$289,952/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,645,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,962
−HK$9,968/mo
▼ 0.25% · 3.875%
HK$163,907
−HK$5,023/mo
Today · 4.125%
HK$168,930
baseline
▲ 0.50% · 4.625%
HK$179,209
+HK$10,279/mo
Deposit HK$3.87M · loan HK$34.86M · min. income ≈ HK$337,860/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,645,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,844
−HK$9,554/mo
▼ 0.25% · 3.875%
HK$181,586
−HK$4,812/mo
Today · 4.125%
HK$186,398
baseline
▲ 0.50% · 4.625%
HK$196,223
+HK$9,825/mo
Deposit HK$3.87M · loan HK$34.86M · min. income ≈ HK$372,796/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,645,985 · Scale 2, in force from 26 Feb 2026)