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$88,868
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$91,632
−HK$2,809/mo
Today · 4.125%
HK$94,441
baseline
▲ 0.50% · 4.625%
HK$100,187
+HK$5,746/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$188,882/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$1,656,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,865
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$101,516
−HK$2,690/mo
Today · 4.125%
HK$104,206
baseline
▲ 0.50% · 4.625%
HK$109,699
+HK$5,493/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$208,412/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$1,656,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,642
−HK$6,687/mo
▼ 0.25% · 3.875%
HK$109,959
−HK$3,370/mo
Today · 4.125%
HK$113,329
baseline
▲ 0.50% · 4.625%
HK$120,225
+HK$6,896/mo
Deposit HK$15.59M · loan HK$23.38M · min. income ≈ HK$226,658/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,656,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,638
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$121,820
−HK$3,228/mo
Today · 4.125%
HK$125,048
baseline
▲ 0.50% · 4.625%
HK$131,639
+HK$6,591/mo
Deposit HK$15.59M · loan HK$23.38M · min. income ≈ HK$250,096/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,656,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,415
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$128,285
−HK$3,932/mo
Today · 4.125%
HK$132,217
baseline
▲ 0.50% · 4.625%
HK$140,262
+HK$8,045/mo
Deposit HK$11.69M · loan HK$27.28M · min. income ≈ HK$264,434/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,411
−HK$7,478/mo
▼ 0.25% · 3.875%
HK$142,123
−HK$3,766/mo
Today · 4.125%
HK$145,889
baseline
▲ 0.50% · 4.625%
HK$153,579
+HK$7,690/mo
Deposit HK$11.69M · loan HK$27.28M · min. income ≈ HK$291,778/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,963
−HK$10,031/mo
▼ 0.25% · 3.875%
HK$164,938
−HK$5,056/mo
Today · 4.125%
HK$169,994
baseline
▲ 0.50% · 4.625%
HK$180,337
+HK$10,343/mo
Deposit HK$3.90M · loan HK$35.08M · min. income ≈ HK$339,988/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,656,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,957
−HK$9,614/mo
▼ 0.25% · 3.875%
HK$182,730
−HK$4,841/mo
Today · 4.125%
HK$187,571
baseline
▲ 0.50% · 4.625%
HK$197,458
+HK$9,887/mo
Deposit HK$3.90M · loan HK$35.08M · min. income ≈ HK$375,142/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,656,347 · Scale 2, in force from 26 Feb 2026)