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$88,561
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$91,316
−HK$2,799/mo
Today · 4.125%
HK$94,115
baseline
▲ 0.50% · 4.625%
HK$99,842
+HK$5,727/mo
Deposit HK$19.42M · loan HK$19.42M · min. income ≈ HK$188,230/mo (50% DSR)
Upfront cash ≈ HK$21.07M (deposit + AVD stamp duty HK$1,650,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,524
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$101,166
−HK$2,681/mo
Today · 4.125%
HK$103,847
baseline
▲ 0.50% · 4.625%
HK$109,320
+HK$5,473/mo
Deposit HK$19.42M · loan HK$19.42M · min. income ≈ HK$207,694/mo (50% DSR)
Upfront cash ≈ HK$21.07M (deposit + AVD stamp duty HK$1,650,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,274
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$109,579
−HK$3,359/mo
Today · 4.125%
HK$112,938
baseline
▲ 0.50% · 4.625%
HK$119,810
+HK$6,872/mo
Deposit HK$15.54M · loan HK$23.30M · min. income ≈ HK$225,876/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,650,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,228
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$121,399
−HK$3,217/mo
Today · 4.125%
HK$124,616
baseline
▲ 0.50% · 4.625%
HK$131,184
+HK$6,568/mo
Deposit HK$15.54M · loan HK$23.30M · min. income ≈ HK$249,232/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,650,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,986
−HK$7,775/mo
▼ 0.25% · 3.875%
HK$127,843
−HK$3,918/mo
Today · 4.125%
HK$131,761
baseline
▲ 0.50% · 4.625%
HK$139,778
+HK$8,017/mo
Deposit HK$11.65M · loan HK$27.19M · min. income ≈ HK$263,522/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,650,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,933
−HK$7,452/mo
▼ 0.25% · 3.875%
HK$141,632
−HK$3,753/mo
Today · 4.125%
HK$145,385
baseline
▲ 0.50% · 4.625%
HK$153,049
+HK$7,664/mo
Deposit HK$11.65M · loan HK$27.19M · min. income ≈ HK$290,770/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,650,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,410
−HK$9,997/mo
▼ 0.25% · 3.875%
HK$164,369
−HK$5,038/mo
Today · 4.125%
HK$169,407
baseline
▲ 0.50% · 4.625%
HK$179,715
+HK$10,308/mo
Deposit HK$3.88M · loan HK$34.95M · min. income ≈ HK$338,814/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,650,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,342
−HK$9,582/mo
▼ 0.25% · 3.875%
HK$182,099
−HK$4,825/mo
Today · 4.125%
HK$186,924
baseline
▲ 0.50% · 4.625%
HK$196,777
+HK$9,853/mo
Deposit HK$3.88M · loan HK$34.95M · min. income ≈ HK$373,848/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,650,629 · Scale 2, in force from 26 Feb 2026)