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$88,736
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,497
−HK$2,804/mo
Today · 4.125%
HK$94,301
baseline
▲ 0.50% · 4.625%
HK$100,039
+HK$5,738/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$188,602/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,653,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,718
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,366
−HK$2,686/mo
Today · 4.125%
HK$104,052
baseline
▲ 0.50% · 4.625%
HK$109,536
+HK$5,484/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$208,104/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,653,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,484
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$109,796
−HK$3,365/mo
Today · 4.125%
HK$113,161
baseline
▲ 0.50% · 4.625%
HK$120,047
+HK$6,886/mo
Deposit HK$15.57M · loan HK$23.35M · min. income ≈ HK$226,322/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,653,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,462
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$121,639
−HK$3,223/mo
Today · 4.125%
HK$124,862
baseline
▲ 0.50% · 4.625%
HK$131,444
+HK$6,582/mo
Deposit HK$15.57M · loan HK$23.35M · min. income ≈ HK$249,724/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,653,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,231
−HK$7,790/mo
▼ 0.25% · 3.875%
HK$128,095
−HK$3,926/mo
Today · 4.125%
HK$132,021
baseline
▲ 0.50% · 4.625%
HK$140,054
+HK$8,033/mo
Deposit HK$11.67M · loan HK$27.24M · min. income ≈ HK$264,042/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,653,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,206
−HK$7,466/mo
▼ 0.25% · 3.875%
HK$141,912
−HK$3,760/mo
Today · 4.125%
HK$145,672
baseline
▲ 0.50% · 4.625%
HK$153,351
+HK$7,679/mo
Deposit HK$11.67M · loan HK$27.24M · min. income ≈ HK$291,344/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,653,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,725
−HK$10,017/mo
▼ 0.25% · 3.875%
HK$164,694
−HK$5,048/mo
Today · 4.125%
HK$169,742
baseline
▲ 0.50% · 4.625%
HK$180,070
+HK$10,328/mo
Deposit HK$3.89M · loan HK$35.02M · min. income ≈ HK$339,484/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,653,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,693
−HK$9,600/mo
▼ 0.25% · 3.875%
HK$182,459
−HK$4,834/mo
Today · 4.125%
HK$187,293
baseline
▲ 0.50% · 4.625%
HK$197,166
+HK$9,873/mo
Deposit HK$3.89M · loan HK$35.02M · min. income ≈ HK$374,586/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,653,891 · Scale 2, in force from 26 Feb 2026)