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$88,701
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,460
−HK$2,804/mo
Today · 4.125%
HK$94,264
baseline
▲ 0.50% · 4.625%
HK$99,999
+HK$5,735/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$188,528/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,653,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,679
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,326
−HK$2,685/mo
Today · 4.125%
HK$104,011
baseline
▲ 0.50% · 4.625%
HK$109,493
+HK$5,482/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$208,022/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,653,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,441
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$109,752
−HK$3,364/mo
Today · 4.125%
HK$113,116
baseline
▲ 0.50% · 4.625%
HK$119,999
+HK$6,883/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$226,232/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,653,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,415
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$121,591
−HK$3,222/mo
Today · 4.125%
HK$124,813
baseline
▲ 0.50% · 4.625%
HK$131,392
+HK$6,579/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$249,626/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,653,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,182
−HK$7,787/mo
▼ 0.25% · 3.875%
HK$128,045
−HK$3,924/mo
Today · 4.125%
HK$131,969
baseline
▲ 0.50% · 4.625%
HK$139,999
+HK$8,030/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$263,938/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,151
−HK$7,464/mo
▼ 0.25% · 3.875%
HK$141,856
−HK$3,759/mo
Today · 4.125%
HK$145,615
baseline
▲ 0.50% · 4.625%
HK$153,290
+HK$7,675/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$291,230/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,662
−HK$10,012/mo
▼ 0.25% · 3.875%
HK$164,629
−HK$5,045/mo
Today · 4.125%
HK$169,674
baseline
▲ 0.50% · 4.625%
HK$179,999
+HK$10,325/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$339,348/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,623
−HK$9,596/mo
▼ 0.25% · 3.875%
HK$182,386
−HK$4,833/mo
Today · 4.125%
HK$187,219
baseline
▲ 0.50% · 4.625%
HK$197,088
+HK$9,869/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$374,438/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,237 · Scale 2, in force from 26 Feb 2026)