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$88,304
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$91,051
−HK$2,790/mo
Today · 4.125%
HK$93,841
baseline
▲ 0.50% · 4.625%
HK$99,551
+HK$5,710/mo
Deposit HK$19.36M · loan HK$19.36M · min. income ≈ HK$187,682/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$1,645,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,237
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,872
−HK$2,673/mo
Today · 4.125%
HK$103,545
baseline
▲ 0.50% · 4.625%
HK$109,003
+HK$5,458/mo
Deposit HK$19.36M · loan HK$19.36M · min. income ≈ HK$207,090/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$1,645,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,965
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$109,261
−HK$3,349/mo
Today · 4.125%
HK$112,610
baseline
▲ 0.50% · 4.625%
HK$119,462
+HK$6,852/mo
Deposit HK$15.49M · loan HK$23.24M · min. income ≈ HK$225,220/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,645,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,885
−HK$6,368/mo
▼ 0.25% · 3.875%
HK$121,046
−HK$3,207/mo
Today · 4.125%
HK$124,253
baseline
▲ 0.50% · 4.625%
HK$130,803
+HK$6,550/mo
Deposit HK$15.49M · loan HK$23.24M · min. income ≈ HK$248,506/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,645,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,625
−HK$7,753/mo
▼ 0.25% · 3.875%
HK$127,471
−HK$3,907/mo
Today · 4.125%
HK$131,378
baseline
▲ 0.50% · 4.625%
HK$139,372
+HK$7,994/mo
Deposit HK$11.62M · loan HK$27.11M · min. income ≈ HK$262,756/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,645,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,532
−HK$7,430/mo
▼ 0.25% · 3.875%
HK$141,221
−HK$3,741/mo
Today · 4.125%
HK$144,962
baseline
▲ 0.50% · 4.625%
HK$152,604
+HK$7,642/mo
Deposit HK$11.62M · loan HK$27.11M · min. income ≈ HK$289,924/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,645,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,947
−HK$9,967/mo
▼ 0.25% · 3.875%
HK$163,891
−HK$5,023/mo
Today · 4.125%
HK$168,914
baseline
▲ 0.50% · 4.625%
HK$179,192
+HK$10,278/mo
Deposit HK$3.87M · loan HK$34.85M · min. income ≈ HK$337,828/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,645,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,827
−HK$9,553/mo
▼ 0.25% · 3.875%
HK$181,569
−HK$4,811/mo
Today · 4.125%
HK$186,380
baseline
▲ 0.50% · 4.625%
HK$196,205
+HK$9,825/mo
Deposit HK$3.87M · loan HK$34.85M · min. income ≈ HK$372,760/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,645,830 · Scale 2, in force from 26 Feb 2026)