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$89,065
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,836
−HK$2,815/mo
Today · 4.125%
HK$94,651
baseline
▲ 0.50% · 4.625%
HK$100,410
+HK$5,759/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$189,302/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,660,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,084
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,742
−HK$2,696/mo
Today · 4.125%
HK$104,438
baseline
▲ 0.50% · 4.625%
HK$109,943
+HK$5,505/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$208,876/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,660,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,879
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$110,203
−HK$3,378/mo
Today · 4.125%
HK$113,581
baseline
▲ 0.50% · 4.625%
HK$120,492
+HK$6,911/mo
Deposit HK$15.62M · loan HK$23.44M · min. income ≈ HK$227,162/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,660,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,901
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$122,090
−HK$3,235/mo
Today · 4.125%
HK$125,325
baseline
▲ 0.50% · 4.625%
HK$131,931
+HK$6,606/mo
Deposit HK$15.62M · loan HK$23.44M · min. income ≈ HK$250,650/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,660,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,692
−HK$7,819/mo
▼ 0.25% · 3.875%
HK$128,570
−HK$3,941/mo
Today · 4.125%
HK$132,511
baseline
▲ 0.50% · 4.625%
HK$140,574
+HK$8,063/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$265,022/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,718
−HK$7,495/mo
▼ 0.25% · 3.875%
HK$142,439
−HK$3,774/mo
Today · 4.125%
HK$146,213
baseline
▲ 0.50% · 4.625%
HK$153,920
+HK$7,707/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$292,426/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,318
−HK$10,053/mo
▼ 0.25% · 3.875%
HK$165,305
−HK$5,066/mo
Today · 4.125%
HK$170,371
baseline
▲ 0.50% · 4.625%
HK$180,738
+HK$10,367/mo
Deposit HK$3.91M · loan HK$35.15M · min. income ≈ HK$340,742/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,352
−HK$9,636/mo
▼ 0.25% · 3.875%
HK$183,135
−HK$4,853/mo
Today · 4.125%
HK$187,988
baseline
▲ 0.50% · 4.625%
HK$197,897
+HK$9,909/mo
Deposit HK$3.91M · loan HK$35.15M · min. income ≈ HK$375,976/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,026 · Scale 2, in force from 26 Feb 2026)