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$88,822
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$91,584
−HK$2,807/mo
Today · 4.125%
HK$94,391
baseline
▲ 0.50% · 4.625%
HK$100,135
+HK$5,744/mo
Deposit HK$19.48M · loan HK$19.48M · min. income ≈ HK$188,782/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$1,655,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,813
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$101,463
−HK$2,689/mo
Today · 4.125%
HK$104,152
baseline
▲ 0.50% · 4.625%
HK$109,642
+HK$5,490/mo
Deposit HK$19.48M · loan HK$19.48M · min. income ≈ HK$208,304/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$1,655,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,586
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$109,901
−HK$3,369/mo
Today · 4.125%
HK$113,270
baseline
▲ 0.50% · 4.625%
HK$120,162
+HK$6,892/mo
Deposit HK$15.58M · loan HK$23.37M · min. income ≈ HK$226,540/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,655,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,576
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$121,756
−HK$3,226/mo
Today · 4.125%
HK$124,982
baseline
▲ 0.50% · 4.625%
HK$131,570
+HK$6,588/mo
Deposit HK$15.58M · loan HK$23.37M · min. income ≈ HK$249,964/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,655,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,350
−HK$7,798/mo
▼ 0.25% · 3.875%
HK$128,218
−HK$3,930/mo
Today · 4.125%
HK$132,148
baseline
▲ 0.50% · 4.625%
HK$140,189
+HK$8,041/mo
Deposit HK$11.69M · loan HK$27.27M · min. income ≈ HK$264,296/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,338
−HK$7,474/mo
▼ 0.25% · 3.875%
HK$142,048
−HK$3,764/mo
Today · 4.125%
HK$145,812
baseline
▲ 0.50% · 4.625%
HK$153,498
+HK$7,686/mo
Deposit HK$11.69M · loan HK$27.27M · min. income ≈ HK$291,624/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,879
−HK$10,026/mo
▼ 0.25% · 3.875%
HK$164,852
−HK$5,053/mo
Today · 4.125%
HK$169,905
baseline
▲ 0.50% · 4.625%
HK$180,243
+HK$10,338/mo
Deposit HK$3.90M · loan HK$35.06M · min. income ≈ HK$339,810/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,864
−HK$9,609/mo
▼ 0.25% · 3.875%
HK$182,634
−HK$4,839/mo
Today · 4.125%
HK$187,473
baseline
▲ 0.50% · 4.625%
HK$197,355
+HK$9,882/mo
Deposit HK$3.90M · loan HK$35.06M · min. income ≈ HK$374,946/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,479 · Scale 2, in force from 26 Feb 2026)