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$88,465
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$91,217
−HK$2,796/mo
Today · 4.125%
HK$94,013
baseline
▲ 0.50% · 4.625%
HK$99,733
+HK$5,720/mo
Deposit HK$19.40M · loan HK$19.40M · min. income ≈ HK$188,026/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,648,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,417
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$101,056
−HK$2,678/mo
Today · 4.125%
HK$103,734
baseline
▲ 0.50% · 4.625%
HK$109,202
+HK$5,468/mo
Deposit HK$19.40M · loan HK$19.40M · min. income ≈ HK$207,468/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,648,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,158
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$109,461
−HK$3,354/mo
Today · 4.125%
HK$112,815
baseline
▲ 0.50% · 4.625%
HK$119,680
+HK$6,865/mo
Deposit HK$15.52M · loan HK$23.28M · min. income ≈ HK$225,630/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,648,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,100
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$121,268
−HK$3,213/mo
Today · 4.125%
HK$124,481
baseline
▲ 0.50% · 4.625%
HK$131,042
+HK$6,561/mo
Deposit HK$15.52M · loan HK$23.28M · min. income ≈ HK$248,962/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,648,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,851
−HK$7,767/mo
▼ 0.25% · 3.875%
HK$127,704
−HK$3,914/mo
Today · 4.125%
HK$131,618
baseline
▲ 0.50% · 4.625%
HK$139,627
+HK$8,009/mo
Deposit HK$11.64M · loan HK$27.16M · min. income ≈ HK$263,236/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,648,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,784
−HK$7,444/mo
▼ 0.25% · 3.875%
HK$141,479
−HK$3,749/mo
Today · 4.125%
HK$145,228
baseline
▲ 0.50% · 4.625%
HK$152,883
+HK$7,655/mo
Deposit HK$11.64M · loan HK$27.16M · min. income ≈ HK$290,456/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,648,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,238
−HK$9,985/mo
▼ 0.25% · 3.875%
HK$164,191
−HK$5,032/mo
Today · 4.125%
HK$169,223
baseline
▲ 0.50% · 4.625%
HK$179,520
+HK$10,297/mo
Deposit HK$3.88M · loan HK$34.92M · min. income ≈ HK$338,446/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,648,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,150
−HK$9,571/mo
▼ 0.25% · 3.875%
HK$181,901
−HK$4,820/mo
Today · 4.125%
HK$186,721
baseline
▲ 0.50% · 4.625%
HK$196,563
+HK$9,842/mo
Deposit HK$3.88M · loan HK$34.92M · min. income ≈ HK$373,442/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,648,840 · Scale 2, in force from 26 Feb 2026)