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$88,089
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,829
−HK$2,784/mo
Today · 4.125%
HK$93,613
baseline
▲ 0.50% · 4.625%
HK$99,309
+HK$5,696/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$187,226/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,641,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,998
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,627
−HK$2,666/mo
Today · 4.125%
HK$103,293
baseline
▲ 0.50% · 4.625%
HK$108,738
+HK$5,445/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$206,586/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,641,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,707
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$108,995
−HK$3,341/mo
Today · 4.125%
HK$112,336
baseline
▲ 0.50% · 4.625%
HK$119,171
+HK$6,835/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$224,672/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,598
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$120,752
−HK$3,199/mo
Today · 4.125%
HK$123,951
baseline
▲ 0.50% · 4.625%
HK$130,485
+HK$6,534/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$247,902/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,325
−HK$7,733/mo
▼ 0.25% · 3.875%
HK$127,161
−HK$3,897/mo
Today · 4.125%
HK$131,058
baseline
▲ 0.50% · 4.625%
HK$139,033
+HK$7,975/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$262,116/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,198
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$140,877
−HK$3,733/mo
Today · 4.125%
HK$144,610
baseline
▲ 0.50% · 4.625%
HK$152,233
+HK$7,623/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$289,220/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,560
−HK$9,944/mo
▼ 0.25% · 3.875%
HK$163,493
−HK$5,011/mo
Today · 4.125%
HK$168,504
baseline
▲ 0.50% · 4.625%
HK$178,757
+HK$10,253/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$337,008/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,397
−HK$9,530/mo
▼ 0.25% · 3.875%
HK$181,128
−HK$4,799/mo
Today · 4.125%
HK$185,927
baseline
▲ 0.50% · 4.625%
HK$195,728
+HK$9,801/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$371,854/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,829 · Scale 2, in force from 26 Feb 2026)