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$88,768
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,529
−HK$2,806/mo
Today · 4.125%
HK$94,335
baseline
▲ 0.50% · 4.625%
HK$100,075
+HK$5,740/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$188,670/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$1,654,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,754
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,402
−HK$2,687/mo
Today · 4.125%
HK$104,089
baseline
▲ 0.50% · 4.625%
HK$109,576
+HK$5,487/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$208,178/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$1,654,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,522
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$109,835
−HK$3,367/mo
Today · 4.125%
HK$113,202
baseline
▲ 0.50% · 4.625%
HK$120,090
+HK$6,888/mo
Deposit HK$15.57M · loan HK$23.36M · min. income ≈ HK$226,404/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,654,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,504
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$121,683
−HK$3,224/mo
Today · 4.125%
HK$124,907
baseline
▲ 0.50% · 4.625%
HK$131,491
+HK$6,584/mo
Deposit HK$15.57M · loan HK$23.36M · min. income ≈ HK$249,814/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,654,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,275
−HK$7,794/mo
▼ 0.25% · 3.875%
HK$128,141
−HK$3,928/mo
Today · 4.125%
HK$132,069
baseline
▲ 0.50% · 4.625%
HK$140,105
+HK$8,036/mo
Deposit HK$11.68M · loan HK$27.25M · min. income ≈ HK$264,138/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,654,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,255
−HK$7,470/mo
▼ 0.25% · 3.875%
HK$141,963
−HK$3,762/mo
Today · 4.125%
HK$145,725
baseline
▲ 0.50% · 4.625%
HK$153,406
+HK$7,681/mo
Deposit HK$11.68M · loan HK$27.25M · min. income ≈ HK$291,450/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,654,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,783
−HK$10,019/mo
▼ 0.25% · 3.875%
HK$164,753
−HK$5,049/mo
Today · 4.125%
HK$169,802
baseline
▲ 0.50% · 4.625%
HK$180,135
+HK$10,333/mo
Deposit HK$3.89M · loan HK$35.04M · min. income ≈ HK$339,604/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,757
−HK$9,603/mo
▼ 0.25% · 3.875%
HK$182,524
−HK$4,836/mo
Today · 4.125%
HK$187,360
baseline
▲ 0.50% · 4.625%
HK$197,236
+HK$9,876/mo
Deposit HK$3.89M · loan HK$35.04M · min. income ≈ HK$374,720/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,484 · Scale 2, in force from 26 Feb 2026)