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$88,805
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$91,567
−HK$2,807/mo
Today · 4.125%
HK$94,374
baseline
▲ 0.50% · 4.625%
HK$100,116
+HK$5,742/mo
Deposit HK$19.47M · loan HK$19.47M · min. income ≈ HK$188,748/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$1,655,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,794
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$101,444
−HK$2,688/mo
Today · 4.125%
HK$104,132
baseline
▲ 0.50% · 4.625%
HK$109,621
+HK$5,489/mo
Deposit HK$19.47M · loan HK$19.47M · min. income ≈ HK$208,264/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$1,655,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,566
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$109,881
−HK$3,367/mo
Today · 4.125%
HK$113,248
baseline
▲ 0.50% · 4.625%
HK$120,139
+HK$6,891/mo
Deposit HK$15.58M · loan HK$23.37M · min. income ≈ HK$226,496/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,655,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,553
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$121,733
−HK$3,225/mo
Today · 4.125%
HK$124,958
baseline
▲ 0.50% · 4.625%
HK$131,545
+HK$6,587/mo
Deposit HK$15.58M · loan HK$23.37M · min. income ≈ HK$249,916/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,655,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,327
−HK$7,796/mo
▼ 0.25% · 3.875%
HK$128,194
−HK$3,929/mo
Today · 4.125%
HK$132,123
baseline
▲ 0.50% · 4.625%
HK$140,163
+HK$8,040/mo
Deposit HK$11.68M · loan HK$27.26M · min. income ≈ HK$264,246/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,312
−HK$7,473/mo
▼ 0.25% · 3.875%
HK$142,022
−HK$3,763/mo
Today · 4.125%
HK$145,785
baseline
▲ 0.50% · 4.625%
HK$153,469
+HK$7,684/mo
Deposit HK$11.68M · loan HK$27.26M · min. income ≈ HK$291,570/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,849
−HK$10,024/mo
▼ 0.25% · 3.875%
HK$164,821
−HK$5,052/mo
Today · 4.125%
HK$169,873
baseline
▲ 0.50% · 4.625%
HK$180,209
+HK$10,336/mo
Deposit HK$3.89M · loan HK$35.05M · min. income ≈ HK$339,746/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,830
−HK$9,608/mo
▼ 0.25% · 3.875%
HK$182,599
−HK$4,839/mo
Today · 4.125%
HK$187,438
baseline
▲ 0.50% · 4.625%
HK$197,318
+HK$9,880/mo
Deposit HK$3.89M · loan HK$35.05M · min. income ≈ HK$374,876/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,167 · Scale 2, in force from 26 Feb 2026)