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$88,832
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$91,596
−HK$2,807/mo
Today · 4.125%
HK$94,403
baseline
▲ 0.50% · 4.625%
HK$100,147
+HK$5,744/mo
Deposit HK$19.48M · loan HK$19.48M · min. income ≈ HK$188,806/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$1,655,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,825
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$101,476
−HK$2,688/mo
Today · 4.125%
HK$104,164
baseline
▲ 0.50% · 4.625%
HK$109,655
+HK$5,491/mo
Deposit HK$19.48M · loan HK$19.48M · min. income ≈ HK$208,328/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$1,655,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,599
−HK$6,685/mo
▼ 0.25% · 3.875%
HK$109,915
−HK$3,369/mo
Today · 4.125%
HK$113,284
baseline
▲ 0.50% · 4.625%
HK$120,177
+HK$6,893/mo
Deposit HK$15.58M · loan HK$23.37M · min. income ≈ HK$226,568/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,655,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,590
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$121,771
−HK$3,226/mo
Today · 4.125%
HK$124,997
baseline
▲ 0.50% · 4.625%
HK$131,586
+HK$6,589/mo
Deposit HK$15.58M · loan HK$23.37M · min. income ≈ HK$249,994/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,655,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,365
−HK$7,799/mo
▼ 0.25% · 3.875%
HK$128,234
−HK$3,930/mo
Today · 4.125%
HK$132,164
baseline
▲ 0.50% · 4.625%
HK$140,206
+HK$8,042/mo
Deposit HK$11.69M · loan HK$27.27M · min. income ≈ HK$264,328/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,355
−HK$7,475/mo
▼ 0.25% · 3.875%
HK$142,066
−HK$3,764/mo
Today · 4.125%
HK$145,830
baseline
▲ 0.50% · 4.625%
HK$153,517
+HK$7,687/mo
Deposit HK$11.69M · loan HK$27.27M · min. income ≈ HK$291,660/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,898
−HK$10,027/mo
▼ 0.25% · 3.875%
HK$164,872
−HK$5,053/mo
Today · 4.125%
HK$169,925
baseline
▲ 0.50% · 4.625%
HK$180,265
+HK$10,340/mo
Deposit HK$3.90M · loan HK$35.06M · min. income ≈ HK$339,850/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,885
−HK$9,611/mo
▼ 0.25% · 3.875%
HK$182,656
−HK$4,840/mo
Today · 4.125%
HK$187,496
baseline
▲ 0.50% · 4.625%
HK$197,379
+HK$9,883/mo
Deposit HK$3.90M · loan HK$35.06M · min. income ≈ HK$374,992/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,681 · Scale 2, in force from 26 Feb 2026)