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$88,516
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$91,269
−HK$2,797/mo
Today · 4.125%
HK$94,066
baseline
▲ 0.50% · 4.625%
HK$99,790
+HK$5,724/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$188,132/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,649,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,473
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$101,114
−HK$2,679/mo
Today · 4.125%
HK$103,793
baseline
▲ 0.50% · 4.625%
HK$109,264
+HK$5,471/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$207,586/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,649,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,219
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$109,523
−HK$3,357/mo
Today · 4.125%
HK$112,880
baseline
▲ 0.50% · 4.625%
HK$119,748
+HK$6,868/mo
Deposit HK$15.53M · loan HK$23.29M · min. income ≈ HK$225,760/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,649,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,167
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$121,336
−HK$3,215/mo
Today · 4.125%
HK$124,551
baseline
▲ 0.50% · 4.625%
HK$131,117
+HK$6,566/mo
Deposit HK$15.53M · loan HK$23.29M · min. income ≈ HK$249,102/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,649,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,922
−HK$7,771/mo
▼ 0.25% · 3.875%
HK$127,776
−HK$3,917/mo
Today · 4.125%
HK$131,693
baseline
▲ 0.50% · 4.625%
HK$139,706
+HK$8,013/mo
Deposit HK$11.65M · loan HK$27.17M · min. income ≈ HK$263,386/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,649,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,862
−HK$7,448/mo
▼ 0.25% · 3.875%
HK$141,559
−HK$3,751/mo
Today · 4.125%
HK$145,310
baseline
▲ 0.50% · 4.625%
HK$152,970
+HK$7,660/mo
Deposit HK$11.65M · loan HK$27.17M · min. income ≈ HK$290,620/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,649,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,328
−HK$9,991/mo
▼ 0.25% · 3.875%
HK$164,284
−HK$5,035/mo
Today · 4.125%
HK$169,319
baseline
▲ 0.50% · 4.625%
HK$179,622
+HK$10,303/mo
Deposit HK$3.88M · loan HK$34.94M · min. income ≈ HK$338,638/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,251
−HK$9,576/mo
▼ 0.25% · 3.875%
HK$182,005
−HK$4,822/mo
Today · 4.125%
HK$186,827
baseline
▲ 0.50% · 4.625%
HK$196,675
+HK$9,848/mo
Deposit HK$3.88M · loan HK$34.94M · min. income ≈ HK$373,654/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,777 · Scale 2, in force from 26 Feb 2026)