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$88,503
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$91,256
−HK$2,797/mo
Today · 4.125%
HK$94,053
baseline
▲ 0.50% · 4.625%
HK$99,776
+HK$5,723/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$188,106/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,649,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,458
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$101,099
−HK$2,679/mo
Today · 4.125%
HK$103,778
baseline
▲ 0.50% · 4.625%
HK$109,248
+HK$5,470/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$207,556/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,649,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,203
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$109,507
−HK$3,356/mo
Today · 4.125%
HK$112,863
baseline
▲ 0.50% · 4.625%
HK$119,731
+HK$6,868/mo
Deposit HK$15.53M · loan HK$23.29M · min. income ≈ HK$225,726/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,649,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,150
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$121,319
−HK$3,214/mo
Today · 4.125%
HK$124,533
baseline
▲ 0.50% · 4.625%
HK$131,098
+HK$6,565/mo
Deposit HK$15.53M · loan HK$23.29M · min. income ≈ HK$249,066/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,649,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,904
−HK$7,770/mo
▼ 0.25% · 3.875%
HK$127,758
−HK$3,916/mo
Today · 4.125%
HK$131,674
baseline
▲ 0.50% · 4.625%
HK$139,686
+HK$8,012/mo
Deposit HK$11.64M · loan HK$27.17M · min. income ≈ HK$263,348/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,842
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$141,539
−HK$3,750/mo
Today · 4.125%
HK$145,289
baseline
▲ 0.50% · 4.625%
HK$152,947
+HK$7,658/mo
Deposit HK$11.64M · loan HK$27.17M · min. income ≈ HK$290,578/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,305
−HK$9,990/mo
▼ 0.25% · 3.875%
HK$164,260
−HK$5,035/mo
Today · 4.125%
HK$169,295
baseline
▲ 0.50% · 4.625%
HK$179,596
+HK$10,301/mo
Deposit HK$3.88M · loan HK$34.93M · min. income ≈ HK$338,590/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,225
−HK$9,575/mo
▼ 0.25% · 3.875%
HK$181,978
−HK$4,822/mo
Today · 4.125%
HK$186,800
baseline
▲ 0.50% · 4.625%
HK$196,647
+HK$9,847/mo
Deposit HK$3.88M · loan HK$34.93M · min. income ≈ HK$373,600/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,538 · Scale 2, in force from 26 Feb 2026)