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$88,377
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$91,126
−HK$2,793/mo
Today · 4.125%
HK$93,919
baseline
▲ 0.50% · 4.625%
HK$99,634
+HK$5,715/mo
Deposit HK$19.38M · loan HK$19.38M · min. income ≈ HK$187,838/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$1,647,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,319
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$100,956
−HK$2,675/mo
Today · 4.125%
HK$103,631
baseline
▲ 0.50% · 4.625%
HK$109,093
+HK$5,462/mo
Deposit HK$19.38M · loan HK$19.38M · min. income ≈ HK$207,262/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$1,647,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,053
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$109,351
−HK$3,352/mo
Today · 4.125%
HK$112,703
baseline
▲ 0.50% · 4.625%
HK$119,561
+HK$6,858/mo
Deposit HK$15.50M · loan HK$23.25M · min. income ≈ HK$225,406/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,647,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,982
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$121,147
−HK$3,210/mo
Today · 4.125%
HK$124,357
baseline
▲ 0.50% · 4.625%
HK$130,912
+HK$6,555/mo
Deposit HK$15.50M · loan HK$23.25M · min. income ≈ HK$248,714/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,647,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,728
−HK$7,759/mo
▼ 0.25% · 3.875%
HK$127,577
−HK$3,910/mo
Today · 4.125%
HK$131,487
baseline
▲ 0.50% · 4.625%
HK$139,488
+HK$8,001/mo
Deposit HK$11.63M · loan HK$27.13M · min. income ≈ HK$262,974/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,647,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,646
−HK$7,437/mo
▼ 0.25% · 3.875%
HK$141,338
−HK$3,745/mo
Today · 4.125%
HK$145,083
baseline
▲ 0.50% · 4.625%
HK$152,730
+HK$7,647/mo
Deposit HK$11.63M · loan HK$27.13M · min. income ≈ HK$290,166/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,647,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,079
−HK$9,976/mo
▼ 0.25% · 3.875%
HK$164,027
−HK$5,028/mo
Today · 4.125%
HK$169,055
baseline
▲ 0.50% · 4.625%
HK$179,341
+HK$10,286/mo
Deposit HK$3.88M · loan HK$34.88M · min. income ≈ HK$338,110/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,647,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,974
−HK$9,561/mo
▼ 0.25% · 3.875%
HK$181,720
−HK$4,815/mo
Today · 4.125%
HK$186,535
baseline
▲ 0.50% · 4.625%
HK$196,368
+HK$9,833/mo
Deposit HK$3.88M · loan HK$34.88M · min. income ≈ HK$373,070/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,647,197 · Scale 2, in force from 26 Feb 2026)