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$88,240
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$90,985
−HK$2,789/mo
Today · 4.125%
HK$93,774
baseline
▲ 0.50% · 4.625%
HK$99,480
+HK$5,706/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$187,548/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$1,644,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,167
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$100,799
−HK$2,671/mo
Today · 4.125%
HK$103,470
baseline
▲ 0.50% · 4.625%
HK$108,924
+HK$5,454/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$206,940/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$1,644,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,888
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$109,182
−HK$3,347/mo
Today · 4.125%
HK$112,529
baseline
▲ 0.50% · 4.625%
HK$119,376
+HK$6,847/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$225,058/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,644,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,800
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$120,959
−HK$3,205/mo
Today · 4.125%
HK$124,164
baseline
▲ 0.50% · 4.625%
HK$130,709
+HK$6,545/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$248,328/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,644,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,537
−HK$7,746/mo
▼ 0.25% · 3.875%
HK$127,379
−HK$3,904/mo
Today · 4.125%
HK$131,283
baseline
▲ 0.50% · 4.625%
HK$139,272
+HK$7,989/mo
Deposit HK$11.61M · loan HK$27.09M · min. income ≈ HK$262,566/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,644,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,433
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$141,119
−HK$3,739/mo
Today · 4.125%
HK$144,858
baseline
▲ 0.50% · 4.625%
HK$152,494
+HK$7,636/mo
Deposit HK$11.61M · loan HK$27.09M · min. income ≈ HK$289,716/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,644,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,833
−HK$9,960/mo
▼ 0.25% · 3.875%
HK$163,773
−HK$5,020/mo
Today · 4.125%
HK$168,793
baseline
▲ 0.50% · 4.625%
HK$179,063
+HK$10,270/mo
Deposit HK$3.87M · loan HK$34.83M · min. income ≈ HK$337,586/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,644,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,700
−HK$9,546/mo
▼ 0.25% · 3.875%
HK$181,439
−HK$4,807/mo
Today · 4.125%
HK$186,246
baseline
▲ 0.50% · 4.625%
HK$196,064
+HK$9,818/mo
Deposit HK$3.87M · loan HK$34.83M · min. income ≈ HK$372,492/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,644,647 · Scale 2, in force from 26 Feb 2026)