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$88,125
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$90,866
−HK$2,785/mo
Today · 4.125%
HK$93,651
baseline
▲ 0.50% · 4.625%
HK$99,350
+HK$5,699/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$187,302/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$1,642,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,038
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$100,668
−HK$2,667/mo
Today · 4.125%
HK$103,335
baseline
▲ 0.50% · 4.625%
HK$108,782
+HK$5,447/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$206,670/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$1,642,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,750
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$109,040
−HK$3,342/mo
Today · 4.125%
HK$112,382
baseline
▲ 0.50% · 4.625%
HK$119,220
+HK$6,838/mo
Deposit HK$15.46M · loan HK$23.19M · min. income ≈ HK$224,764/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,642,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,646
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$120,801
−HK$3,201/mo
Today · 4.125%
HK$124,002
baseline
▲ 0.50% · 4.625%
HK$130,538
+HK$6,536/mo
Deposit HK$15.46M · loan HK$23.19M · min. income ≈ HK$248,004/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,642,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,375
−HK$7,737/mo
▼ 0.25% · 3.875%
HK$127,213
−HK$3,899/mo
Today · 4.125%
HK$131,112
baseline
▲ 0.50% · 4.625%
HK$139,090
+HK$7,978/mo
Deposit HK$11.59M · loan HK$27.05M · min. income ≈ HK$262,224/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,642,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,254
−HK$7,415/mo
▼ 0.25% · 3.875%
HK$140,935
−HK$3,734/mo
Today · 4.125%
HK$144,669
baseline
▲ 0.50% · 4.625%
HK$152,295
+HK$7,626/mo
Deposit HK$11.59M · loan HK$27.05M · min. income ≈ HK$289,338/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,642,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,625
−HK$9,947/mo
▼ 0.25% · 3.875%
HK$163,559
−HK$5,013/mo
Today · 4.125%
HK$168,572
baseline
▲ 0.50% · 4.625%
HK$178,830
+HK$10,258/mo
Deposit HK$3.86M · loan HK$34.78M · min. income ≈ HK$337,144/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,642,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,469
−HK$9,534/mo
▼ 0.25% · 3.875%
HK$181,202
−HK$4,801/mo
Today · 4.125%
HK$186,003
baseline
▲ 0.50% · 4.625%
HK$195,808
+HK$9,805/mo
Deposit HK$3.86M · loan HK$34.78M · min. income ≈ HK$372,006/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,642,499 · Scale 2, in force from 26 Feb 2026)