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$88,395
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,145
−HK$2,793/mo
Today · 4.125%
HK$93,938
baseline
▲ 0.50% · 4.625%
HK$99,654
+HK$5,716/mo
Deposit HK$19.38M · loan HK$19.38M · min. income ≈ HK$187,876/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$1,647,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,339
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,976
−HK$2,676/mo
Today · 4.125%
HK$103,652
baseline
▲ 0.50% · 4.625%
HK$109,115
+HK$5,463/mo
Deposit HK$19.38M · loan HK$19.38M · min. income ≈ HK$207,304/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$1,647,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,074
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$109,374
−HK$3,352/mo
Today · 4.125%
HK$112,726
baseline
▲ 0.50% · 4.625%
HK$119,585
+HK$6,859/mo
Deposit HK$15.51M · loan HK$23.26M · min. income ≈ HK$225,452/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,647,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,007
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$121,171
−HK$3,211/mo
Today · 4.125%
HK$124,382
baseline
▲ 0.50% · 4.625%
HK$130,938
+HK$6,556/mo
Deposit HK$15.51M · loan HK$23.26M · min. income ≈ HK$248,764/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,647,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,753
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$127,603
−HK$3,911/mo
Today · 4.125%
HK$131,514
baseline
▲ 0.50% · 4.625%
HK$139,516
+HK$8,002/mo
Deposit HK$11.63M · loan HK$27.14M · min. income ≈ HK$263,028/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,647,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,674
−HK$7,438/mo
▼ 0.25% · 3.875%
HK$141,367
−HK$3,745/mo
Today · 4.125%
HK$145,112
baseline
▲ 0.50% · 4.625%
HK$152,761
+HK$7,649/mo
Deposit HK$11.63M · loan HK$27.14M · min. income ≈ HK$290,224/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,647,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,111
−HK$9,978/mo
▼ 0.25% · 3.875%
HK$164,061
−HK$5,028/mo
Today · 4.125%
HK$169,089
baseline
▲ 0.50% · 4.625%
HK$179,378
+HK$10,289/mo
Deposit HK$3.88M · loan HK$34.89M · min. income ≈ HK$338,178/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,647,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,010
−HK$9,563/mo
▼ 0.25% · 3.875%
HK$181,757
−HK$4,816/mo
Today · 4.125%
HK$186,573
baseline
▲ 0.50% · 4.625%
HK$196,408
+HK$9,835/mo
Deposit HK$3.88M · loan HK$34.89M · min. income ≈ HK$373,146/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,647,533 · Scale 2, in force from 26 Feb 2026)