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$88,388
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,137
−HK$2,794/mo
Today · 4.125%
HK$93,931
baseline
▲ 0.50% · 4.625%
HK$99,646
+HK$5,715/mo
Deposit HK$19.38M · loan HK$19.38M · min. income ≈ HK$187,862/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$1,647,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,331
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$100,968
−HK$2,675/mo
Today · 4.125%
HK$103,643
baseline
▲ 0.50% · 4.625%
HK$109,107
+HK$5,464/mo
Deposit HK$19.38M · loan HK$19.38M · min. income ≈ HK$207,286/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$1,647,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,066
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$109,365
−HK$3,352/mo
Today · 4.125%
HK$112,717
baseline
▲ 0.50% · 4.625%
HK$119,576
+HK$6,859/mo
Deposit HK$15.50M · loan HK$23.26M · min. income ≈ HK$225,434/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,647,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,997
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$121,162
−HK$3,210/mo
Today · 4.125%
HK$124,372
baseline
▲ 0.50% · 4.625%
HK$130,928
+HK$6,556/mo
Deposit HK$15.50M · loan HK$23.26M · min. income ≈ HK$248,744/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,647,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,743
−HK$7,760/mo
▼ 0.25% · 3.875%
HK$127,592
−HK$3,911/mo
Today · 4.125%
HK$131,503
baseline
▲ 0.50% · 4.625%
HK$139,505
+HK$8,002/mo
Deposit HK$11.63M · loan HK$27.13M · min. income ≈ HK$263,006/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,647,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,663
−HK$7,438/mo
▼ 0.25% · 3.875%
HK$141,355
−HK$3,746/mo
Today · 4.125%
HK$145,101
baseline
▲ 0.50% · 4.625%
HK$152,749
+HK$7,648/mo
Deposit HK$11.63M · loan HK$27.13M · min. income ≈ HK$290,202/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,647,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,099
−HK$9,976/mo
▼ 0.25% · 3.875%
HK$164,047
−HK$5,028/mo
Today · 4.125%
HK$169,075
baseline
▲ 0.50% · 4.625%
HK$179,363
+HK$10,288/mo
Deposit HK$3.88M · loan HK$34.89M · min. income ≈ HK$338,150/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,647,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,996
−HK$9,562/mo
▼ 0.25% · 3.875%
HK$181,742
−HK$4,816/mo
Today · 4.125%
HK$186,558
baseline
▲ 0.50% · 4.625%
HK$196,392
+HK$9,834/mo
Deposit HK$3.88M · loan HK$34.89M · min. income ≈ HK$373,116/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,647,400 · Scale 2, in force from 26 Feb 2026)