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$88,258
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$91,003
−HK$2,789/mo
Today · 4.125%
HK$93,792
baseline
▲ 0.50% · 4.625%
HK$99,499
+HK$5,707/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$187,584/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$1,644,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,186
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,819
−HK$2,671/mo
Today · 4.125%
HK$103,490
baseline
▲ 0.50% · 4.625%
HK$108,946
+HK$5,456/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$206,980/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$1,644,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,909
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$109,204
−HK$3,347/mo
Today · 4.125%
HK$112,551
baseline
▲ 0.50% · 4.625%
HK$119,399
+HK$6,848/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$225,102/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,644,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,823
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,983
−HK$3,205/mo
Today · 4.125%
HK$124,188
baseline
▲ 0.50% · 4.625%
HK$130,735
+HK$6,547/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$248,376/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,644,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,561
−HK$7,748/mo
▼ 0.25% · 3.875%
HK$127,404
−HK$3,905/mo
Today · 4.125%
HK$131,309
baseline
▲ 0.50% · 4.625%
HK$139,299
+HK$7,990/mo
Deposit HK$11.61M · loan HK$27.09M · min. income ≈ HK$262,618/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,644,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,460
−HK$7,427/mo
▼ 0.25% · 3.875%
HK$141,147
−HK$3,740/mo
Today · 4.125%
HK$144,887
baseline
▲ 0.50% · 4.625%
HK$152,524
+HK$7,637/mo
Deposit HK$11.61M · loan HK$27.09M · min. income ≈ HK$289,774/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,644,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,864
−HK$9,962/mo
▼ 0.25% · 3.875%
HK$163,805
−HK$5,021/mo
Today · 4.125%
HK$168,826
baseline
▲ 0.50% · 4.625%
HK$179,099
+HK$10,273/mo
Deposit HK$3.87M · loan HK$34.83M · min. income ≈ HK$337,652/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,644,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,734
−HK$9,549/mo
▼ 0.25% · 3.875%
HK$181,474
−HK$4,809/mo
Today · 4.125%
HK$186,283
baseline
▲ 0.50% · 4.625%
HK$196,102
+HK$9,819/mo
Deposit HK$3.87M · loan HK$34.83M · min. income ≈ HK$372,566/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,644,969 · Scale 2, in force from 26 Feb 2026)