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$88,790
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,552
−HK$2,806/mo
Today · 4.125%
HK$94,358
baseline
▲ 0.50% · 4.625%
HK$100,099
+HK$5,741/mo
Deposit HK$19.47M · loan HK$19.47M · min. income ≈ HK$188,716/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$1,654,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,778
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,427
−HK$2,687/mo
Today · 4.125%
HK$104,114
baseline
▲ 0.50% · 4.625%
HK$109,602
+HK$5,488/mo
Deposit HK$19.47M · loan HK$19.47M · min. income ≈ HK$208,228/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$1,654,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,548
−HK$6,681/mo
▼ 0.25% · 3.875%
HK$109,862
−HK$3,367/mo
Today · 4.125%
HK$113,229
baseline
▲ 0.50% · 4.625%
HK$120,119
+HK$6,890/mo
Deposit HK$15.58M · loan HK$23.36M · min. income ≈ HK$226,458/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,654,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,533
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$121,712
−HK$3,225/mo
Today · 4.125%
HK$124,937
baseline
▲ 0.50% · 4.625%
HK$131,523
+HK$6,586/mo
Deposit HK$15.58M · loan HK$23.36M · min. income ≈ HK$249,874/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,654,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,306
−HK$7,795/mo
▼ 0.25% · 3.875%
HK$128,172
−HK$3,929/mo
Today · 4.125%
HK$132,101
baseline
▲ 0.50% · 4.625%
HK$140,139
+HK$8,038/mo
Deposit HK$11.68M · loan HK$27.26M · min. income ≈ HK$264,202/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,654,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,289
−HK$7,471/mo
▼ 0.25% · 3.875%
HK$141,998
−HK$3,762/mo
Today · 4.125%
HK$145,760
baseline
▲ 0.50% · 4.625%
HK$153,443
+HK$7,683/mo
Deposit HK$11.68M · loan HK$27.26M · min. income ≈ HK$291,520/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,654,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,822
−HK$10,022/mo
▼ 0.25% · 3.875%
HK$164,793
−HK$5,051/mo
Today · 4.125%
HK$169,844
baseline
▲ 0.50% · 4.625%
HK$180,178
+HK$10,334/mo
Deposit HK$3.89M · loan HK$35.04M · min. income ≈ HK$339,688/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,800
−HK$9,606/mo
▼ 0.25% · 3.875%
HK$182,568
−HK$4,838/mo
Today · 4.125%
HK$187,406
baseline
▲ 0.50% · 4.625%
HK$197,284
+HK$9,878/mo
Deposit HK$3.89M · loan HK$35.04M · min. income ≈ HK$374,812/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,887 · Scale 2, in force from 26 Feb 2026)