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$88,291
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$91,037
−HK$2,791/mo
Today · 4.125%
HK$93,828
baseline
▲ 0.50% · 4.625%
HK$99,537
+HK$5,709/mo
Deposit HK$19.36M · loan HK$19.36M · min. income ≈ HK$187,656/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$1,645,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,223
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$100,857
−HK$2,672/mo
Today · 4.125%
HK$103,529
baseline
▲ 0.50% · 4.625%
HK$108,987
+HK$5,458/mo
Deposit HK$19.36M · loan HK$19.36M · min. income ≈ HK$207,058/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$1,645,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,949
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$109,245
−HK$3,348/mo
Today · 4.125%
HK$112,593
baseline
▲ 0.50% · 4.625%
HK$119,444
+HK$6,851/mo
Deposit HK$15.49M · loan HK$23.23M · min. income ≈ HK$225,186/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,645,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,867
−HK$6,368/mo
▼ 0.25% · 3.875%
HK$121,029
−HK$3,206/mo
Today · 4.125%
HK$124,235
baseline
▲ 0.50% · 4.625%
HK$130,784
+HK$6,549/mo
Deposit HK$15.49M · loan HK$23.23M · min. income ≈ HK$248,470/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,645,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,607
−HK$7,752/mo
▼ 0.25% · 3.875%
HK$127,452
−HK$3,907/mo
Today · 4.125%
HK$131,359
baseline
▲ 0.50% · 4.625%
HK$139,351
+HK$7,992/mo
Deposit HK$11.62M · loan HK$27.10M · min. income ≈ HK$262,718/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,645,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,512
−HK$7,429/mo
▼ 0.25% · 3.875%
HK$141,200
−HK$3,741/mo
Today · 4.125%
HK$144,941
baseline
▲ 0.50% · 4.625%
HK$152,581
+HK$7,640/mo
Deposit HK$11.62M · loan HK$27.10M · min. income ≈ HK$289,882/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,645,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,924
−HK$9,966/mo
▼ 0.25% · 3.875%
HK$163,867
−HK$5,023/mo
Today · 4.125%
HK$168,890
baseline
▲ 0.50% · 4.625%
HK$179,166
+HK$10,276/mo
Deposit HK$3.87M · loan HK$34.85M · min. income ≈ HK$337,780/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,645,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,801
−HK$9,552/mo
▼ 0.25% · 3.875%
HK$181,543
−HK$4,810/mo
Today · 4.125%
HK$186,353
baseline
▲ 0.50% · 4.625%
HK$196,176
+HK$9,823/mo
Deposit HK$3.87M · loan HK$34.85M · min. income ≈ HK$372,706/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,645,590 · Scale 2, in force from 26 Feb 2026)