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$88,173
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,916
−HK$2,787/mo
Today · 4.125%
HK$93,703
baseline
▲ 0.50% · 4.625%
HK$99,404
+HK$5,701/mo
Deposit HK$19.33M · loan HK$19.33M · min. income ≈ HK$187,406/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$1,643,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,092
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,723
−HK$2,668/mo
Today · 4.125%
HK$103,391
baseline
▲ 0.50% · 4.625%
HK$108,841
+HK$5,450/mo
Deposit HK$19.33M · loan HK$19.33M · min. income ≈ HK$206,782/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$1,643,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,808
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$109,099
−HK$3,344/mo
Today · 4.125%
HK$112,443
baseline
▲ 0.50% · 4.625%
HK$119,285
+HK$6,842/mo
Deposit HK$15.47M · loan HK$23.20M · min. income ≈ HK$224,886/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,643,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,710
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$120,867
−HK$3,203/mo
Today · 4.125%
HK$124,070
baseline
▲ 0.50% · 4.625%
HK$130,610
+HK$6,540/mo
Deposit HK$15.47M · loan HK$23.20M · min. income ≈ HK$248,140/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,643,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,443
−HK$7,741/mo
▼ 0.25% · 3.875%
HK$127,282
−HK$3,902/mo
Today · 4.125%
HK$131,184
baseline
▲ 0.50% · 4.625%
HK$139,166
+HK$7,982/mo
Deposit HK$11.60M · loan HK$27.07M · min. income ≈ HK$262,368/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,643,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,329
−HK$7,419/mo
▼ 0.25% · 3.875%
HK$141,012
−HK$3,736/mo
Today · 4.125%
HK$144,748
baseline
▲ 0.50% · 4.625%
HK$152,378
+HK$7,630/mo
Deposit HK$11.60M · loan HK$27.07M · min. income ≈ HK$289,496/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,643,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,712
−HK$9,953/mo
▼ 0.25% · 3.875%
HK$163,649
−HK$5,016/mo
Today · 4.125%
HK$168,665
baseline
▲ 0.50% · 4.625%
HK$178,927
+HK$10,262/mo
Deposit HK$3.87M · loan HK$34.80M · min. income ≈ HK$337,330/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,643,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,565
−HK$9,540/mo
▼ 0.25% · 3.875%
HK$181,301
−HK$4,804/mo
Today · 4.125%
HK$186,105
baseline
▲ 0.50% · 4.625%
HK$195,914
+HK$9,809/mo
Deposit HK$3.87M · loan HK$34.80M · min. income ≈ HK$372,210/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,643,396 · Scale 2, in force from 26 Feb 2026)