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$88,707
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,466
−HK$2,804/mo
Today · 4.125%
HK$94,270
baseline
▲ 0.50% · 4.625%
HK$100,006
+HK$5,736/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$188,540/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,653,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,686
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,332
−HK$2,685/mo
Today · 4.125%
HK$104,017
baseline
▲ 0.50% · 4.625%
HK$109,500
+HK$5,483/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$208,034/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,653,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,448
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$109,760
−HK$3,364/mo
Today · 4.125%
HK$113,124
baseline
▲ 0.50% · 4.625%
HK$120,007
+HK$6,883/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$226,248/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,653,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,423
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$121,599
−HK$3,222/mo
Today · 4.125%
HK$124,821
baseline
▲ 0.50% · 4.625%
HK$131,400
+HK$6,579/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$249,642/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,653,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,190
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$128,053
−HK$3,925/mo
Today · 4.125%
HK$131,978
baseline
▲ 0.50% · 4.625%
HK$140,008
+HK$8,030/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$263,956/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,160
−HK$7,464/mo
▼ 0.25% · 3.875%
HK$141,865
−HK$3,759/mo
Today · 4.125%
HK$145,624
baseline
▲ 0.50% · 4.625%
HK$153,300
+HK$7,676/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$291,248/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,673
−HK$10,012/mo
▼ 0.25% · 3.875%
HK$164,639
−HK$5,046/mo
Today · 4.125%
HK$169,685
baseline
▲ 0.50% · 4.625%
HK$180,010
+HK$10,325/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$339,370/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,634
−HK$9,597/mo
▼ 0.25% · 3.875%
HK$182,398
−HK$4,833/mo
Today · 4.125%
HK$187,231
baseline
▲ 0.50% · 4.625%
HK$197,100
+HK$9,869/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$374,462/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,344 · Scale 2, in force from 26 Feb 2026)