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$88,747
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,508
−HK$2,804/mo
Today · 4.125%
HK$94,312
baseline
▲ 0.50% · 4.625%
HK$100,051
+HK$5,739/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$188,624/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,654,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,730
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,378
−HK$2,686/mo
Today · 4.125%
HK$104,064
baseline
▲ 0.50% · 4.625%
HK$109,550
+HK$5,486/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$208,128/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,654,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,497
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$109,809
−HK$3,366/mo
Today · 4.125%
HK$113,175
baseline
▲ 0.50% · 4.625%
HK$120,061
+HK$6,886/mo
Deposit HK$15.57M · loan HK$23.35M · min. income ≈ HK$226,350/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,654,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,476
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$121,654
−HK$3,223/mo
Today · 4.125%
HK$124,877
baseline
▲ 0.50% · 4.625%
HK$131,460
+HK$6,583/mo
Deposit HK$15.57M · loan HK$23.35M · min. income ≈ HK$249,754/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,654,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,246
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$128,111
−HK$3,926/mo
Today · 4.125%
HK$132,037
baseline
▲ 0.50% · 4.625%
HK$140,072
+HK$8,035/mo
Deposit HK$11.68M · loan HK$27.24M · min. income ≈ HK$264,074/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,654,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,222
−HK$7,468/mo
▼ 0.25% · 3.875%
HK$141,930
−HK$3,760/mo
Today · 4.125%
HK$145,690
baseline
▲ 0.50% · 4.625%
HK$153,370
+HK$7,680/mo
Deposit HK$11.68M · loan HK$27.24M · min. income ≈ HK$291,380/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,654,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,745
−HK$10,017/mo
▼ 0.25% · 3.875%
HK$164,714
−HK$5,048/mo
Today · 4.125%
HK$169,762
baseline
▲ 0.50% · 4.625%
HK$180,092
+HK$10,330/mo
Deposit HK$3.89M · loan HK$35.03M · min. income ≈ HK$339,524/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,715
−HK$9,601/mo
▼ 0.25% · 3.875%
HK$182,481
−HK$4,835/mo
Today · 4.125%
HK$187,316
baseline
▲ 0.50% · 4.625%
HK$197,190
+HK$9,874/mo
Deposit HK$3.89M · loan HK$35.03M · min. income ≈ HK$374,632/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,093 · Scale 2, in force from 26 Feb 2026)