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$88,476
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$91,228
−HK$2,796/mo
Today · 4.125%
HK$94,024
baseline
▲ 0.50% · 4.625%
HK$99,745
+HK$5,721/mo
Deposit HK$19.40M · loan HK$19.40M · min. income ≈ HK$188,048/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,649,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,428
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$101,068
−HK$2,678/mo
Today · 4.125%
HK$103,746
baseline
▲ 0.50% · 4.625%
HK$109,215
+HK$5,469/mo
Deposit HK$19.40M · loan HK$19.40M · min. income ≈ HK$207,492/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,649,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,171
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$109,473
−HK$3,356/mo
Today · 4.125%
HK$112,829
baseline
▲ 0.50% · 4.625%
HK$119,694
+HK$6,865/mo
Deposit HK$15.52M · loan HK$23.28M · min. income ≈ HK$225,658/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,649,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,114
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$121,282
−HK$3,213/mo
Today · 4.125%
HK$124,495
baseline
▲ 0.50% · 4.625%
HK$131,058
+HK$6,563/mo
Deposit HK$15.52M · loan HK$23.28M · min. income ≈ HK$248,990/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,649,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,866
−HK$7,767/mo
▼ 0.25% · 3.875%
HK$127,719
−HK$3,914/mo
Today · 4.125%
HK$131,633
baseline
▲ 0.50% · 4.625%
HK$139,643
+HK$8,010/mo
Deposit HK$11.64M · loan HK$27.16M · min. income ≈ HK$263,266/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,800
−HK$7,444/mo
▼ 0.25% · 3.875%
HK$141,495
−HK$3,749/mo
Today · 4.125%
HK$145,244
baseline
▲ 0.50% · 4.625%
HK$152,900
+HK$7,656/mo
Deposit HK$11.64M · loan HK$27.16M · min. income ≈ HK$290,488/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,256
−HK$9,987/mo
▼ 0.25% · 3.875%
HK$164,210
−HK$5,033/mo
Today · 4.125%
HK$169,243
baseline
▲ 0.50% · 4.625%
HK$179,541
+HK$10,298/mo
Deposit HK$3.88M · loan HK$34.92M · min. income ≈ HK$338,486/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,171
−HK$9,572/mo
▼ 0.25% · 3.875%
HK$181,922
−HK$4,821/mo
Today · 4.125%
HK$186,743
baseline
▲ 0.50% · 4.625%
HK$196,586
+HK$9,843/mo
Deposit HK$3.88M · loan HK$34.92M · min. income ≈ HK$373,486/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,031 · Scale 2, in force from 26 Feb 2026)