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$88,733
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,493
−HK$2,804/mo
Today · 4.125%
HK$94,297
baseline
▲ 0.50% · 4.625%
HK$100,035
+HK$5,738/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$188,594/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,653,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,714
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,362
−HK$2,686/mo
Today · 4.125%
HK$104,048
baseline
▲ 0.50% · 4.625%
HK$109,532
+HK$5,484/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$208,096/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,653,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,479
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$109,791
−HK$3,366/mo
Today · 4.125%
HK$113,157
baseline
▲ 0.50% · 4.625%
HK$120,042
+HK$6,885/mo
Deposit HK$15.57M · loan HK$23.35M · min. income ≈ HK$226,314/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,653,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,457
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$121,634
−HK$3,223/mo
Today · 4.125%
HK$124,857
baseline
▲ 0.50% · 4.625%
HK$131,439
+HK$6,582/mo
Deposit HK$15.57M · loan HK$23.35M · min. income ≈ HK$249,714/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,653,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,226
−HK$7,790/mo
▼ 0.25% · 3.875%
HK$128,090
−HK$3,926/mo
Today · 4.125%
HK$132,016
baseline
▲ 0.50% · 4.625%
HK$140,049
+HK$8,033/mo
Deposit HK$11.67M · loan HK$27.24M · min. income ≈ HK$264,032/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,653,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,200
−HK$7,467/mo
▼ 0.25% · 3.875%
HK$141,907
−HK$3,760/mo
Today · 4.125%
HK$145,667
baseline
▲ 0.50% · 4.625%
HK$153,345
+HK$7,678/mo
Deposit HK$11.67M · loan HK$27.24M · min. income ≈ HK$291,334/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,653,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,719
−HK$10,016/mo
▼ 0.25% · 3.875%
HK$164,687
−HK$5,048/mo
Today · 4.125%
HK$169,735
baseline
▲ 0.50% · 4.625%
HK$180,063
+HK$10,328/mo
Deposit HK$3.89M · loan HK$35.02M · min. income ≈ HK$339,470/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,653,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,686
−HK$9,600/mo
▼ 0.25% · 3.875%
HK$182,451
−HK$4,835/mo
Today · 4.125%
HK$187,286
baseline
▲ 0.50% · 4.625%
HK$197,158
+HK$9,872/mo
Deposit HK$3.89M · loan HK$35.02M · min. income ≈ HK$374,572/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,653,825 · Scale 2, in force from 26 Feb 2026)