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$88,730
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,490
−HK$2,804/mo
Today · 4.125%
HK$94,294
baseline
▲ 0.50% · 4.625%
HK$100,032
+HK$5,738/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$188,588/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,653,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,711
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,358
−HK$2,686/mo
Today · 4.125%
HK$104,044
baseline
▲ 0.50% · 4.625%
HK$109,528
+HK$5,484/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$208,088/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,653,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,476
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$109,788
−HK$3,365/mo
Today · 4.125%
HK$113,153
baseline
▲ 0.50% · 4.625%
HK$120,038
+HK$6,885/mo
Deposit HK$15.56M · loan HK$23.35M · min. income ≈ HK$226,306/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,653,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,453
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$121,630
−HK$3,223/mo
Today · 4.125%
HK$124,853
baseline
▲ 0.50% · 4.625%
HK$131,434
+HK$6,581/mo
Deposit HK$15.56M · loan HK$23.35M · min. income ≈ HK$249,706/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,653,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,222
−HK$7,790/mo
▼ 0.25% · 3.875%
HK$128,086
−HK$3,926/mo
Today · 4.125%
HK$132,012
baseline
▲ 0.50% · 4.625%
HK$140,044
+HK$8,032/mo
Deposit HK$11.67M · loan HK$27.24M · min. income ≈ HK$264,024/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,653,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,195
−HK$7,467/mo
▼ 0.25% · 3.875%
HK$141,902
−HK$3,760/mo
Today · 4.125%
HK$145,662
baseline
▲ 0.50% · 4.625%
HK$153,340
+HK$7,678/mo
Deposit HK$11.67M · loan HK$27.24M · min. income ≈ HK$291,324/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,653,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,714
−HK$10,015/mo
▼ 0.25% · 3.875%
HK$164,682
−HK$5,047/mo
Today · 4.125%
HK$169,729
baseline
▲ 0.50% · 4.625%
HK$180,057
+HK$10,328/mo
Deposit HK$3.89M · loan HK$35.02M · min. income ≈ HK$339,458/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,680
−HK$9,599/mo
▼ 0.25% · 3.875%
HK$182,445
−HK$4,834/mo
Today · 4.125%
HK$187,279
baseline
▲ 0.50% · 4.625%
HK$197,151
+HK$9,872/mo
Deposit HK$3.89M · loan HK$35.02M · min. income ≈ HK$374,558/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,770 · Scale 2, in force from 26 Feb 2026)