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$88,327
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$91,075
−HK$2,791/mo
Today · 4.125%
HK$93,866
baseline
▲ 0.50% · 4.625%
HK$99,578
+HK$5,712/mo
Deposit HK$19.37M · loan HK$19.37M · min. income ≈ HK$187,732/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$1,646,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,263
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$100,899
−HK$2,673/mo
Today · 4.125%
HK$103,572
baseline
▲ 0.50% · 4.625%
HK$109,032
+HK$5,460/mo
Deposit HK$19.37M · loan HK$19.37M · min. income ≈ HK$207,144/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$1,646,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,993
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$109,290
−HK$3,350/mo
Today · 4.125%
HK$112,640
baseline
▲ 0.50% · 4.625%
HK$119,493
+HK$6,853/mo
Deposit HK$15.49M · loan HK$23.24M · min. income ≈ HK$225,280/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,646,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,916
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$121,078
−HK$3,209/mo
Today · 4.125%
HK$124,287
baseline
▲ 0.50% · 4.625%
HK$130,838
+HK$6,551/mo
Deposit HK$15.49M · loan HK$23.24M · min. income ≈ HK$248,574/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,646,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,658
−HK$7,755/mo
▼ 0.25% · 3.875%
HK$127,505
−HK$3,908/mo
Today · 4.125%
HK$131,413
baseline
▲ 0.50% · 4.625%
HK$139,409
+HK$7,996/mo
Deposit HK$11.62M · loan HK$27.11M · min. income ≈ HK$262,826/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,646,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,569
−HK$7,432/mo
▼ 0.25% · 3.875%
HK$141,258
−HK$3,743/mo
Today · 4.125%
HK$145,001
baseline
▲ 0.50% · 4.625%
HK$152,644
+HK$7,643/mo
Deposit HK$11.62M · loan HK$27.11M · min. income ≈ HK$290,002/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,646,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,989
−HK$9,970/mo
▼ 0.25% · 3.875%
HK$163,935
−HK$5,024/mo
Today · 4.125%
HK$168,959
baseline
▲ 0.50% · 4.625%
HK$179,240
+HK$10,281/mo
Deposit HK$3.87M · loan HK$34.86M · min. income ≈ HK$337,918/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,646,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,874
−HK$9,556/mo
▼ 0.25% · 3.875%
HK$181,618
−HK$4,812/mo
Today · 4.125%
HK$186,430
baseline
▲ 0.50% · 4.625%
HK$196,257
+HK$9,827/mo
Deposit HK$3.87M · loan HK$34.86M · min. income ≈ HK$372,860/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,646,268 · Scale 2, in force from 26 Feb 2026)