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$88,318
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$91,065
−HK$2,791/mo
Today · 4.125%
HK$93,856
baseline
▲ 0.50% · 4.625%
HK$99,567
+HK$5,711/mo
Deposit HK$19.37M · loan HK$19.37M · min. income ≈ HK$187,712/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$1,646,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,253
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,888
−HK$2,673/mo
Today · 4.125%
HK$103,561
baseline
▲ 0.50% · 4.625%
HK$109,020
+HK$5,459/mo
Deposit HK$19.37M · loan HK$19.37M · min. income ≈ HK$207,122/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$1,646,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,981
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$109,278
−HK$3,349/mo
Today · 4.125%
HK$112,627
baseline
▲ 0.50% · 4.625%
HK$119,480
+HK$6,853/mo
Deposit HK$15.49M · loan HK$23.24M · min. income ≈ HK$225,254/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,646,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,903
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$121,065
−HK$3,208/mo
Today · 4.125%
HK$124,273
baseline
▲ 0.50% · 4.625%
HK$130,824
+HK$6,551/mo
Deposit HK$15.49M · loan HK$23.24M · min. income ≈ HK$248,546/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,646,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,645
−HK$7,753/mo
▼ 0.25% · 3.875%
HK$127,491
−HK$3,907/mo
Today · 4.125%
HK$131,398
baseline
▲ 0.50% · 4.625%
HK$139,394
+HK$7,996/mo
Deposit HK$11.62M · loan HK$27.11M · min. income ≈ HK$262,796/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,646,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,554
−HK$7,431/mo
▼ 0.25% · 3.875%
HK$141,243
−HK$3,742/mo
Today · 4.125%
HK$144,985
baseline
▲ 0.50% · 4.625%
HK$152,628
+HK$7,643/mo
Deposit HK$11.62M · loan HK$27.11M · min. income ≈ HK$289,970/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,646,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,972
−HK$9,969/mo
▼ 0.25% · 3.875%
HK$163,917
−HK$5,024/mo
Today · 4.125%
HK$168,941
baseline
▲ 0.50% · 4.625%
HK$179,220
+HK$10,279/mo
Deposit HK$3.87M · loan HK$34.86M · min. income ≈ HK$337,882/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,646,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,855
−HK$9,555/mo
▼ 0.25% · 3.875%
HK$181,598
−HK$4,812/mo
Today · 4.125%
HK$186,410
baseline
▲ 0.50% · 4.625%
HK$196,235
+HK$9,825/mo
Deposit HK$3.87M · loan HK$34.86M · min. income ≈ HK$372,820/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,646,088 · Scale 2, in force from 26 Feb 2026)