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$88,191
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,934
−HK$2,787/mo
Today · 4.125%
HK$93,721
baseline
▲ 0.50% · 4.625%
HK$99,424
+HK$5,703/mo
Deposit HK$19.34M · loan HK$19.34M · min. income ≈ HK$187,442/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$1,643,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,112
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,743
−HK$2,669/mo
Today · 4.125%
HK$103,412
baseline
▲ 0.50% · 4.625%
HK$108,863
+HK$5,451/mo
Deposit HK$19.34M · loan HK$19.34M · min. income ≈ HK$206,824/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$1,643,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,829
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$109,121
−HK$3,345/mo
Today · 4.125%
HK$112,466
baseline
▲ 0.50% · 4.625%
HK$119,309
+HK$6,843/mo
Deposit HK$15.47M · loan HK$23.21M · min. income ≈ HK$224,932/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,643,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,734
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$120,892
−HK$3,203/mo
Today · 4.125%
HK$124,095
baseline
▲ 0.50% · 4.625%
HK$130,636
+HK$6,541/mo
Deposit HK$15.47M · loan HK$23.21M · min. income ≈ HK$248,190/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,643,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,468
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$127,308
−HK$3,902/mo
Today · 4.125%
HK$131,210
baseline
▲ 0.50% · 4.625%
HK$139,194
+HK$7,984/mo
Deposit HK$11.60M · loan HK$27.07M · min. income ≈ HK$262,420/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,643,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,356
−HK$7,421/mo
▼ 0.25% · 3.875%
HK$141,040
−HK$3,737/mo
Today · 4.125%
HK$144,777
baseline
▲ 0.50% · 4.625%
HK$152,409
+HK$7,632/mo
Deposit HK$11.60M · loan HK$27.07M · min. income ≈ HK$289,554/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,643,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,744
−HK$9,955/mo
▼ 0.25% · 3.875%
HK$163,682
−HK$5,017/mo
Today · 4.125%
HK$168,699
baseline
▲ 0.50% · 4.625%
HK$178,963
+HK$10,264/mo
Deposit HK$3.87M · loan HK$34.81M · min. income ≈ HK$337,398/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,643,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,601
−HK$9,541/mo
▼ 0.25% · 3.875%
HK$181,337
−HK$4,805/mo
Today · 4.125%
HK$186,142
baseline
▲ 0.50% · 4.625%
HK$195,954
+HK$9,812/mo
Deposit HK$3.87M · loan HK$34.81M · min. income ≈ HK$372,284/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,643,728 · Scale 2, in force from 26 Feb 2026)