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$88,440
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$91,191
−HK$2,795/mo
Today · 4.125%
HK$93,986
baseline
▲ 0.50% · 4.625%
HK$99,705
+HK$5,719/mo
Deposit HK$19.39M · loan HK$19.39M · min. income ≈ HK$187,972/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$1,648,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,389
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$101,027
−HK$2,677/mo
Today · 4.125%
HK$103,704
baseline
▲ 0.50% · 4.625%
HK$109,171
+HK$5,467/mo
Deposit HK$19.39M · loan HK$19.39M · min. income ≈ HK$207,408/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$1,648,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,128
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$109,429
−HK$3,354/mo
Today · 4.125%
HK$112,783
baseline
▲ 0.50% · 4.625%
HK$119,646
+HK$6,863/mo
Deposit HK$15.51M · loan HK$23.27M · min. income ≈ HK$225,566/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,648,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,066
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$121,233
−HK$3,212/mo
Today · 4.125%
HK$124,445
baseline
▲ 0.50% · 4.625%
HK$131,005
+HK$6,560/mo
Deposit HK$15.51M · loan HK$23.27M · min. income ≈ HK$248,890/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,648,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,816
−HK$7,764/mo
▼ 0.25% · 3.875%
HK$127,667
−HK$3,913/mo
Today · 4.125%
HK$131,580
baseline
▲ 0.50% · 4.625%
HK$139,587
+HK$8,007/mo
Deposit HK$11.64M · loan HK$27.15M · min. income ≈ HK$263,160/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,648,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,744
−HK$7,442/mo
▼ 0.25% · 3.875%
HK$141,438
−HK$3,748/mo
Today · 4.125%
HK$145,186
baseline
▲ 0.50% · 4.625%
HK$152,839
+HK$7,653/mo
Deposit HK$11.64M · loan HK$27.15M · min. income ≈ HK$290,372/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,648,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,192
−HK$9,983/mo
▼ 0.25% · 3.875%
HK$164,144
−HK$5,031/mo
Today · 4.125%
HK$169,175
baseline
▲ 0.50% · 4.625%
HK$179,469
+HK$10,294/mo
Deposit HK$3.88M · loan HK$34.91M · min. income ≈ HK$338,350/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,648,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,100
−HK$9,568/mo
▼ 0.25% · 3.875%
HK$181,849
−HK$4,819/mo
Today · 4.125%
HK$186,668
baseline
▲ 0.50% · 4.625%
HK$196,507
+HK$9,839/mo
Deposit HK$3.88M · loan HK$34.91M · min. income ≈ HK$373,336/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,648,368 · Scale 2, in force from 26 Feb 2026)