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$88,426
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$91,176
−HK$2,795/mo
Today · 4.125%
HK$93,971
baseline
▲ 0.50% · 4.625%
HK$99,689
+HK$5,718/mo
Deposit HK$19.39M · loan HK$19.39M · min. income ≈ HK$187,942/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$1,648,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,373
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$101,011
−HK$2,676/mo
Today · 4.125%
HK$103,687
baseline
▲ 0.50% · 4.625%
HK$109,153
+HK$5,466/mo
Deposit HK$19.39M · loan HK$19.39M · min. income ≈ HK$207,374/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$1,648,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,111
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$109,411
−HK$3,354/mo
Today · 4.125%
HK$112,765
baseline
▲ 0.50% · 4.625%
HK$119,626
+HK$6,861/mo
Deposit HK$15.51M · loan HK$23.27M · min. income ≈ HK$225,530/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,648,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,047
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$121,213
−HK$3,212/mo
Today · 4.125%
HK$124,425
baseline
▲ 0.50% · 4.625%
HK$130,983
+HK$6,558/mo
Deposit HK$15.51M · loan HK$23.27M · min. income ≈ HK$248,850/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,648,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,796
−HK$7,763/mo
▼ 0.25% · 3.875%
HK$127,647
−HK$3,912/mo
Today · 4.125%
HK$131,559
baseline
▲ 0.50% · 4.625%
HK$139,564
+HK$8,005/mo
Deposit HK$11.63M · loan HK$27.15M · min. income ≈ HK$263,118/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,648,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,722
−HK$7,440/mo
▼ 0.25% · 3.875%
HK$141,415
−HK$3,747/mo
Today · 4.125%
HK$145,162
baseline
▲ 0.50% · 4.625%
HK$152,814
+HK$7,652/mo
Deposit HK$11.63M · loan HK$27.15M · min. income ≈ HK$290,324/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,648,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,166
−HK$9,981/mo
▼ 0.25% · 3.875%
HK$164,117
−HK$5,030/mo
Today · 4.125%
HK$169,147
baseline
▲ 0.50% · 4.625%
HK$179,439
+HK$10,292/mo
Deposit HK$3.88M · loan HK$34.90M · min. income ≈ HK$338,294/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,648,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,071
−HK$9,566/mo
▼ 0.25% · 3.875%
HK$181,820
−HK$4,817/mo
Today · 4.125%
HK$186,637
baseline
▲ 0.50% · 4.625%
HK$196,475
+HK$9,838/mo
Deposit HK$3.88M · loan HK$34.90M · min. income ≈ HK$373,274/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,648,100 · Scale 2, in force from 26 Feb 2026)