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$88,446
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$91,197
−HK$2,795/mo
Today · 4.125%
HK$93,992
baseline
▲ 0.50% · 4.625%
HK$99,711
+HK$5,719/mo
Deposit HK$19.39M · loan HK$19.39M · min. income ≈ HK$187,984/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$1,648,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,395
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$101,034
−HK$2,677/mo
Today · 4.125%
HK$103,711
baseline
▲ 0.50% · 4.625%
HK$109,178
+HK$5,467/mo
Deposit HK$19.39M · loan HK$19.39M · min. income ≈ HK$207,422/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$1,648,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,135
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$109,436
−HK$3,355/mo
Today · 4.125%
HK$112,791
baseline
▲ 0.50% · 4.625%
HK$119,654
+HK$6,863/mo
Deposit HK$15.52M · loan HK$23.27M · min. income ≈ HK$225,582/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,648,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,074
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$121,241
−HK$3,212/mo
Today · 4.125%
HK$124,453
baseline
▲ 0.50% · 4.625%
HK$131,013
+HK$6,560/mo
Deposit HK$15.52M · loan HK$23.27M · min. income ≈ HK$248,906/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,648,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,824
−HK$7,765/mo
▼ 0.25% · 3.875%
HK$127,676
−HK$3,913/mo
Today · 4.125%
HK$131,589
baseline
▲ 0.50% · 4.625%
HK$139,596
+HK$8,007/mo
Deposit HK$11.64M · loan HK$27.15M · min. income ≈ HK$263,178/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,648,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,753
−HK$7,442/mo
▼ 0.25% · 3.875%
HK$141,448
−HK$3,747/mo
Today · 4.125%
HK$145,195
baseline
▲ 0.50% · 4.625%
HK$152,849
+HK$7,654/mo
Deposit HK$11.64M · loan HK$27.15M · min. income ≈ HK$290,390/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,648,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,202
−HK$9,984/mo
▼ 0.25% · 3.875%
HK$164,155
−HK$5,031/mo
Today · 4.125%
HK$169,186
baseline
▲ 0.50% · 4.625%
HK$179,480
+HK$10,294/mo
Deposit HK$3.88M · loan HK$34.91M · min. income ≈ HK$338,372/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,648,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,111
−HK$9,569/mo
▼ 0.25% · 3.875%
HK$181,861
−HK$4,819/mo
Today · 4.125%
HK$186,680
baseline
▲ 0.50% · 4.625%
HK$196,520
+HK$9,840/mo
Deposit HK$3.88M · loan HK$34.91M · min. income ≈ HK$373,360/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,648,476 · Scale 2, in force from 26 Feb 2026)