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$88,342
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$91,090
−HK$2,792/mo
Today · 4.125%
HK$93,882
baseline
▲ 0.50% · 4.625%
HK$99,595
+HK$5,713/mo
Deposit HK$19.37M · loan HK$19.37M · min. income ≈ HK$187,764/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$1,646,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,280
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$100,916
−HK$2,674/mo
Today · 4.125%
HK$103,590
baseline
▲ 0.50% · 4.625%
HK$109,050
+HK$5,460/mo
Deposit HK$19.37M · loan HK$19.37M · min. income ≈ HK$207,180/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$1,646,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,011
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$109,308
−HK$3,351/mo
Today · 4.125%
HK$112,659
baseline
▲ 0.50% · 4.625%
HK$119,514
+HK$6,855/mo
Deposit HK$15.50M · loan HK$23.25M · min. income ≈ HK$225,318/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,646,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,936
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$121,099
−HK$3,209/mo
Today · 4.125%
HK$124,308
baseline
▲ 0.50% · 4.625%
HK$130,860
+HK$6,552/mo
Deposit HK$15.50M · loan HK$23.25M · min. income ≈ HK$248,616/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,646,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,679
−HK$7,756/mo
▼ 0.25% · 3.875%
HK$127,526
−HK$3,909/mo
Today · 4.125%
HK$131,435
baseline
▲ 0.50% · 4.625%
HK$139,433
+HK$7,998/mo
Deposit HK$11.62M · loan HK$27.12M · min. income ≈ HK$262,870/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,646,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,592
−HK$7,434/mo
▼ 0.25% · 3.875%
HK$141,282
−HK$3,744/mo
Today · 4.125%
HK$145,026
baseline
▲ 0.50% · 4.625%
HK$152,670
+HK$7,644/mo
Deposit HK$11.62M · loan HK$27.12M · min. income ≈ HK$290,052/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,646,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,016
−HK$9,972/mo
▼ 0.25% · 3.875%
HK$163,963
−HK$5,025/mo
Today · 4.125%
HK$168,988
baseline
▲ 0.50% · 4.625%
HK$179,270
+HK$10,282/mo
Deposit HK$3.87M · loan HK$34.87M · min. income ≈ HK$337,976/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,646,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,904
−HK$9,558/mo
▼ 0.25% · 3.875%
HK$181,648
−HK$4,814/mo
Today · 4.125%
HK$186,462
baseline
▲ 0.50% · 4.625%
HK$196,290
+HK$9,828/mo
Deposit HK$3.87M · loan HK$34.87M · min. income ≈ HK$372,924/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,646,548 · Scale 2, in force from 26 Feb 2026)