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$88,601
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$91,357
−HK$2,800/mo
Today · 4.125%
HK$94,157
baseline
▲ 0.50% · 4.625%
HK$99,886
+HK$5,729/mo
Deposit HK$19.43M · loan HK$19.43M · min. income ≈ HK$188,314/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$1,651,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,567
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$101,211
−HK$2,682/mo
Today · 4.125%
HK$103,893
baseline
▲ 0.50% · 4.625%
HK$109,369
+HK$5,476/mo
Deposit HK$19.43M · loan HK$19.43M · min. income ≈ HK$207,786/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$1,651,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,321
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$109,628
−HK$3,360/mo
Today · 4.125%
HK$112,988
baseline
▲ 0.50% · 4.625%
HK$119,863
+HK$6,875/mo
Deposit HK$15.54M · loan HK$23.31M · min. income ≈ HK$225,976/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,651,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,281
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$121,453
−HK$3,218/mo
Today · 4.125%
HK$124,671
baseline
▲ 0.50% · 4.625%
HK$131,243
+HK$6,572/mo
Deposit HK$15.54M · loan HK$23.31M · min. income ≈ HK$249,342/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,651,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,041
−HK$7,778/mo
▼ 0.25% · 3.875%
HK$127,899
−HK$3,920/mo
Today · 4.125%
HK$131,819
baseline
▲ 0.50% · 4.625%
HK$139,840
+HK$8,021/mo
Deposit HK$11.66M · loan HK$27.20M · min. income ≈ HK$263,638/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,651,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,994
−HK$7,456/mo
▼ 0.25% · 3.875%
HK$141,695
−HK$3,755/mo
Today · 4.125%
HK$145,450
baseline
▲ 0.50% · 4.625%
HK$153,116
+HK$7,666/mo
Deposit HK$11.66M · loan HK$27.20M · min. income ≈ HK$290,900/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,651,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,481
−HK$10,001/mo
▼ 0.25% · 3.875%
HK$164,442
−HK$5,040/mo
Today · 4.125%
HK$169,482
baseline
▲ 0.50% · 4.625%
HK$179,795
+HK$10,313/mo
Deposit HK$3.89M · loan HK$34.97M · min. income ≈ HK$338,964/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,651,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,421
−HK$9,586/mo
▼ 0.25% · 3.875%
HK$182,180
−HK$4,827/mo
Today · 4.125%
HK$187,007
baseline
▲ 0.50% · 4.625%
HK$196,864
+HK$9,857/mo
Deposit HK$3.89M · loan HK$34.97M · min. income ≈ HK$374,014/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,651,362 · Scale 2, in force from 26 Feb 2026)