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$88,699
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,458
−HK$2,803/mo
Today · 4.125%
HK$94,261
baseline
▲ 0.50% · 4.625%
HK$99,996
+HK$5,735/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$188,522/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,653,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,676
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,323
−HK$2,685/mo
Today · 4.125%
HK$104,008
baseline
▲ 0.50% · 4.625%
HK$109,490
+HK$5,482/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$208,016/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,653,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,438
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$109,749
−HK$3,364/mo
Today · 4.125%
HK$113,113
baseline
▲ 0.50% · 4.625%
HK$119,996
+HK$6,883/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$226,226/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,653,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,412
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$121,587
−HK$3,222/mo
Today · 4.125%
HK$124,809
baseline
▲ 0.50% · 4.625%
HK$131,388
+HK$6,579/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$249,618/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,653,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,178
−HK$7,787/mo
▼ 0.25% · 3.875%
HK$128,041
−HK$3,924/mo
Today · 4.125%
HK$131,965
baseline
▲ 0.50% · 4.625%
HK$139,995
+HK$8,030/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$263,930/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,147
−HK$7,464/mo
▼ 0.25% · 3.875%
HK$141,852
−HK$3,759/mo
Today · 4.125%
HK$145,611
baseline
▲ 0.50% · 4.625%
HK$153,286
+HK$7,675/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$291,222/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,658
−HK$10,012/mo
▼ 0.25% · 3.875%
HK$164,624
−HK$5,046/mo
Today · 4.125%
HK$169,670
baseline
▲ 0.50% · 4.625%
HK$179,994
+HK$10,324/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$339,340/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,618
−HK$9,596/mo
▼ 0.25% · 3.875%
HK$182,381
−HK$4,833/mo
Today · 4.125%
HK$187,214
baseline
▲ 0.50% · 4.625%
HK$197,082
+HK$9,868/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$374,428/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,190 · Scale 2, in force from 26 Feb 2026)