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$88,451
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$91,202
−HK$2,796/mo
Today · 4.125%
HK$93,998
baseline
▲ 0.50% · 4.625%
HK$99,717
+HK$5,719/mo
Deposit HK$19.39M · loan HK$19.39M · min. income ≈ HK$187,996/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$1,648,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,401
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$101,040
−HK$2,677/mo
Today · 4.125%
HK$103,717
baseline
▲ 0.50% · 4.625%
HK$109,184
+HK$5,467/mo
Deposit HK$19.39M · loan HK$19.39M · min. income ≈ HK$207,434/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$1,648,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,141
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$109,443
−HK$3,354/mo
Today · 4.125%
HK$112,797
baseline
▲ 0.50% · 4.625%
HK$119,661
+HK$6,864/mo
Deposit HK$15.52M · loan HK$23.27M · min. income ≈ HK$225,594/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,648,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,081
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$121,248
−HK$3,213/mo
Today · 4.125%
HK$124,461
baseline
▲ 0.50% · 4.625%
HK$131,021
+HK$6,560/mo
Deposit HK$15.52M · loan HK$23.27M · min. income ≈ HK$248,922/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,648,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,832
−HK$7,765/mo
▼ 0.25% · 3.875%
HK$127,683
−HK$3,914/mo
Today · 4.125%
HK$131,597
baseline
▲ 0.50% · 4.625%
HK$139,604
+HK$8,007/mo
Deposit HK$11.64M · loan HK$27.15M · min. income ≈ HK$263,194/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,648,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,761
−HK$7,443/mo
▼ 0.25% · 3.875%
HK$141,456
−HK$3,748/mo
Today · 4.125%
HK$145,204
baseline
▲ 0.50% · 4.625%
HK$152,858
+HK$7,654/mo
Deposit HK$11.64M · loan HK$27.15M · min. income ≈ HK$290,408/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,648,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,212
−HK$9,984/mo
▼ 0.25% · 3.875%
HK$164,164
−HK$5,032/mo
Today · 4.125%
HK$169,196
baseline
▲ 0.50% · 4.625%
HK$179,491
+HK$10,295/mo
Deposit HK$3.88M · loan HK$34.91M · min. income ≈ HK$338,392/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,648,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,122
−HK$9,569/mo
▼ 0.25% · 3.875%
HK$181,872
−HK$4,819/mo
Today · 4.125%
HK$186,691
baseline
▲ 0.50% · 4.625%
HK$196,532
+HK$9,841/mo
Deposit HK$3.88M · loan HK$34.91M · min. income ≈ HK$373,382/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,648,575 · Scale 2, in force from 26 Feb 2026)