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$88,715
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,475
−HK$2,804/mo
Today · 4.125%
HK$94,279
baseline
▲ 0.50% · 4.625%
HK$100,015
+HK$5,736/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$188,558/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,653,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,695
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,342
−HK$2,685/mo
Today · 4.125%
HK$104,027
baseline
▲ 0.50% · 4.625%
HK$109,511
+HK$5,484/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$208,054/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,653,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,459
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$109,770
−HK$3,364/mo
Today · 4.125%
HK$113,134
baseline
▲ 0.50% · 4.625%
HK$120,018
+HK$6,884/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$226,268/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,653,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,434
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$121,610
−HK$3,223/mo
Today · 4.125%
HK$124,833
baseline
▲ 0.50% · 4.625%
HK$131,413
+HK$6,580/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$249,666/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,653,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,202
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$128,065
−HK$3,925/mo
Today · 4.125%
HK$131,990
baseline
▲ 0.50% · 4.625%
HK$140,021
+HK$8,031/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$263,980/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,653,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,173
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$141,879
−HK$3,759/mo
Today · 4.125%
HK$145,638
baseline
▲ 0.50% · 4.625%
HK$153,315
+HK$7,677/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$291,276/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,653,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,688
−HK$10,014/mo
▼ 0.25% · 3.875%
HK$164,655
−HK$5,047/mo
Today · 4.125%
HK$169,702
baseline
▲ 0.50% · 4.625%
HK$180,028
+HK$10,326/mo
Deposit HK$3.89M · loan HK$35.02M · min. income ≈ HK$339,404/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,651
−HK$9,598/mo
▼ 0.25% · 3.875%
HK$182,416
−HK$4,833/mo
Today · 4.125%
HK$187,249
baseline
▲ 0.50% · 4.625%
HK$197,119
+HK$9,870/mo
Deposit HK$3.89M · loan HK$35.02M · min. income ≈ HK$374,498/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,502 · Scale 2, in force from 26 Feb 2026)