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$88,513
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$91,266
−HK$2,797/mo
Today · 4.125%
HK$94,063
baseline
▲ 0.50% · 4.625%
HK$99,787
+HK$5,724/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$188,126/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,649,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,469
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$101,110
−HK$2,679/mo
Today · 4.125%
HK$103,789
baseline
▲ 0.50% · 4.625%
HK$109,260
+HK$5,471/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$207,578/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,649,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,215
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$109,519
−HK$3,357/mo
Today · 4.125%
HK$112,876
baseline
▲ 0.50% · 4.625%
HK$119,744
+HK$6,868/mo
Deposit HK$15.53M · loan HK$23.29M · min. income ≈ HK$225,752/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,649,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,163
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$121,332
−HK$3,215/mo
Today · 4.125%
HK$124,547
baseline
▲ 0.50% · 4.625%
HK$131,112
+HK$6,565/mo
Deposit HK$15.53M · loan HK$23.29M · min. income ≈ HK$249,094/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,649,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,918
−HK$7,770/mo
▼ 0.25% · 3.875%
HK$127,772
−HK$3,916/mo
Today · 4.125%
HK$131,688
baseline
▲ 0.50% · 4.625%
HK$139,701
+HK$8,013/mo
Deposit HK$11.65M · loan HK$27.17M · min. income ≈ HK$263,376/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,857
−HK$7,448/mo
▼ 0.25% · 3.875%
HK$141,554
−HK$3,751/mo
Today · 4.125%
HK$145,305
baseline
▲ 0.50% · 4.625%
HK$152,964
+HK$7,659/mo
Deposit HK$11.65M · loan HK$27.17M · min. income ≈ HK$290,610/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,323
−HK$9,991/mo
▼ 0.25% · 3.875%
HK$164,279
−HK$5,035/mo
Today · 4.125%
HK$169,314
baseline
▲ 0.50% · 4.625%
HK$179,616
+HK$10,302/mo
Deposit HK$3.88M · loan HK$34.94M · min. income ≈ HK$338,628/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,245
−HK$9,576/mo
▼ 0.25% · 3.875%
HK$181,999
−HK$4,822/mo
Today · 4.125%
HK$186,821
baseline
▲ 0.50% · 4.625%
HK$196,669
+HK$9,848/mo
Deposit HK$3.88M · loan HK$34.94M · min. income ≈ HK$373,642/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,722 · Scale 2, in force from 26 Feb 2026)