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$88,355
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$91,103
−HK$2,792/mo
Today · 4.125%
HK$93,895
baseline
▲ 0.50% · 4.625%
HK$99,609
+HK$5,714/mo
Deposit HK$19.37M · loan HK$19.37M · min. income ≈ HK$187,790/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$1,646,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,294
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$100,930
−HK$2,674/mo
Today · 4.125%
HK$103,604
baseline
▲ 0.50% · 4.625%
HK$109,065
+HK$5,461/mo
Deposit HK$19.37M · loan HK$19.37M · min. income ≈ HK$207,208/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$1,646,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,026
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$109,324
−HK$3,350/mo
Today · 4.125%
HK$112,674
baseline
▲ 0.50% · 4.625%
HK$119,530
+HK$6,856/mo
Deposit HK$15.50M · loan HK$23.25M · min. income ≈ HK$225,348/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,646,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,953
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$121,116
−HK$3,209/mo
Today · 4.125%
HK$124,325
baseline
▲ 0.50% · 4.625%
HK$130,878
+HK$6,553/mo
Deposit HK$15.50M · loan HK$23.25M · min. income ≈ HK$248,650/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,646,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,697
−HK$7,757/mo
▼ 0.25% · 3.875%
HK$127,544
−HK$3,910/mo
Today · 4.125%
HK$131,454
baseline
▲ 0.50% · 4.625%
HK$139,452
+HK$7,998/mo
Deposit HK$11.62M · loan HK$27.12M · min. income ≈ HK$262,908/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,646,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,611
−HK$7,435/mo
▼ 0.25% · 3.875%
HK$141,302
−HK$3,744/mo
Today · 4.125%
HK$145,046
baseline
▲ 0.50% · 4.625%
HK$152,692
+HK$7,646/mo
Deposit HK$11.62M · loan HK$27.12M · min. income ≈ HK$290,092/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,646,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,039
−HK$9,973/mo
▼ 0.25% · 3.875%
HK$163,986
−HK$5,026/mo
Today · 4.125%
HK$169,012
baseline
▲ 0.50% · 4.625%
HK$179,296
+HK$10,284/mo
Deposit HK$3.87M · loan HK$34.87M · min. income ≈ HK$338,024/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,646,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,929
−HK$9,559/mo
▼ 0.25% · 3.875%
HK$181,674
−HK$4,814/mo
Today · 4.125%
HK$186,488
baseline
▲ 0.50% · 4.625%
HK$196,318
+HK$9,830/mo
Deposit HK$3.87M · loan HK$34.87M · min. income ≈ HK$372,976/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,646,779 · Scale 2, in force from 26 Feb 2026)