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$88,227
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$90,971
−HK$2,789/mo
Today · 4.125%
HK$93,760
baseline
▲ 0.50% · 4.625%
HK$99,465
+HK$5,705/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$187,520/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$1,644,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,152
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$100,784
−HK$2,670/mo
Today · 4.125%
HK$103,454
baseline
▲ 0.50% · 4.625%
HK$108,908
+HK$5,454/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$206,908/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$1,644,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,872
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$109,166
−HK$3,346/mo
Today · 4.125%
HK$112,512
baseline
▲ 0.50% · 4.625%
HK$119,358
+HK$6,846/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$225,024/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,644,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,782
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$120,941
−HK$3,204/mo
Today · 4.125%
HK$124,145
baseline
▲ 0.50% · 4.625%
HK$130,689
+HK$6,544/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$248,290/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,644,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,518
−HK$7,745/mo
▼ 0.25% · 3.875%
HK$127,360
−HK$3,903/mo
Today · 4.125%
HK$131,263
baseline
▲ 0.50% · 4.625%
HK$139,251
+HK$7,988/mo
Deposit HK$11.61M · loan HK$27.08M · min. income ≈ HK$262,526/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,644,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,412
−HK$7,424/mo
▼ 0.25% · 3.875%
HK$141,098
−HK$3,738/mo
Today · 4.125%
HK$144,836
baseline
▲ 0.50% · 4.625%
HK$152,471
+HK$7,635/mo
Deposit HK$11.61M · loan HK$27.08M · min. income ≈ HK$289,672/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,644,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,809
−HK$9,958/mo
▼ 0.25% · 3.875%
HK$163,748
−HK$5,019/mo
Today · 4.125%
HK$168,767
baseline
▲ 0.50% · 4.625%
HK$179,036
+HK$10,269/mo
Deposit HK$3.87M · loan HK$34.82M · min. income ≈ HK$337,534/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,644,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,673
−HK$9,545/mo
▼ 0.25% · 3.875%
HK$181,411
−HK$4,807/mo
Today · 4.125%
HK$186,218
baseline
▲ 0.50% · 4.625%
HK$196,034
+HK$9,816/mo
Deposit HK$3.87M · loan HK$34.82M · min. income ≈ HK$372,436/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,644,398 · Scale 2, in force from 26 Feb 2026)