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$88,685
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,444
−HK$2,803/mo
Today · 4.125%
HK$94,247
baseline
▲ 0.50% · 4.625%
HK$99,981
+HK$5,734/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$188,494/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,652,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,662
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$101,308
−HK$2,684/mo
Today · 4.125%
HK$103,992
baseline
▲ 0.50% · 4.625%
HK$109,474
+HK$5,482/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$207,984/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,652,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,422
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$109,733
−HK$3,363/mo
Today · 4.125%
HK$113,096
baseline
▲ 0.50% · 4.625%
HK$119,978
+HK$6,882/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$226,192/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,652,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,394
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$121,569
−HK$3,221/mo
Today · 4.125%
HK$124,790
baseline
▲ 0.50% · 4.625%
HK$131,368
+HK$6,578/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$249,580/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,652,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,160
−HK$7,785/mo
▼ 0.25% · 3.875%
HK$128,022
−HK$3,923/mo
Today · 4.125%
HK$131,945
baseline
▲ 0.50% · 4.625%
HK$139,974
+HK$8,029/mo
Deposit HK$11.67M · loan HK$27.22M · min. income ≈ HK$263,890/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,126
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$141,831
−HK$3,758/mo
Today · 4.125%
HK$145,589
baseline
▲ 0.50% · 4.625%
HK$153,263
+HK$7,674/mo
Deposit HK$11.67M · loan HK$27.22M · min. income ≈ HK$291,178/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,634
−HK$10,010/mo
▼ 0.25% · 3.875%
HK$164,599
−HK$5,045/mo
Today · 4.125%
HK$169,644
baseline
▲ 0.50% · 4.625%
HK$179,967
+HK$10,323/mo
Deposit HK$3.89M · loan HK$35.00M · min. income ≈ HK$339,288/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,591
−HK$9,595/mo
▼ 0.25% · 3.875%
HK$182,354
−HK$4,832/mo
Today · 4.125%
HK$187,186
baseline
▲ 0.50% · 4.625%
HK$197,052
+HK$9,866/mo
Deposit HK$3.89M · loan HK$35.00M · min. income ≈ HK$374,372/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,941 · Scale 2, in force from 26 Feb 2026)