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$88,632
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$91,389
−HK$2,801/mo
Today · 4.125%
HK$94,190
baseline
▲ 0.50% · 4.625%
HK$99,921
+HK$5,731/mo
Deposit HK$19.43M · loan HK$19.43M · min. income ≈ HK$188,380/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$1,651,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,602
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,247
−HK$2,683/mo
Today · 4.125%
HK$103,930
baseline
▲ 0.50% · 4.625%
HK$109,408
+HK$5,478/mo
Deposit HK$19.43M · loan HK$19.43M · min. income ≈ HK$207,860/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$1,651,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,359
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$109,667
−HK$3,361/mo
Today · 4.125%
HK$113,028
baseline
▲ 0.50% · 4.625%
HK$119,906
+HK$6,878/mo
Deposit HK$15.55M · loan HK$23.32M · min. income ≈ HK$226,056/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,651,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,323
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$121,496
−HK$3,219/mo
Today · 4.125%
HK$124,715
baseline
▲ 0.50% · 4.625%
HK$131,289
+HK$6,574/mo
Deposit HK$15.55M · loan HK$23.32M · min. income ≈ HK$249,430/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,651,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,085
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$127,945
−HK$3,921/mo
Today · 4.125%
HK$131,866
baseline
▲ 0.50% · 4.625%
HK$139,890
+HK$8,024/mo
Deposit HK$11.66M · loan HK$27.21M · min. income ≈ HK$263,732/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,651,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,043
−HK$7,458/mo
▼ 0.25% · 3.875%
HK$141,746
−HK$3,755/mo
Today · 4.125%
HK$145,501
baseline
▲ 0.50% · 4.625%
HK$153,171
+HK$7,670/mo
Deposit HK$11.66M · loan HK$27.21M · min. income ≈ HK$291,002/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,651,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,538
−HK$10,004/mo
▼ 0.25% · 3.875%
HK$164,500
−HK$5,042/mo
Today · 4.125%
HK$169,542
baseline
▲ 0.50% · 4.625%
HK$179,859
+HK$10,317/mo
Deposit HK$3.89M · loan HK$34.98M · min. income ≈ HK$339,084/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,651,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,484
−HK$9,589/mo
▼ 0.25% · 3.875%
HK$182,244
−HK$4,829/mo
Today · 4.125%
HK$187,073
baseline
▲ 0.50% · 4.625%
HK$196,934
+HK$9,861/mo
Deposit HK$3.89M · loan HK$34.98M · min. income ≈ HK$374,146/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,651,949 · Scale 2, in force from 26 Feb 2026)