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$88,359
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$91,108
−HK$2,792/mo
Today · 4.125%
HK$93,900
baseline
▲ 0.50% · 4.625%
HK$99,614
+HK$5,714/mo
Deposit HK$19.37M · loan HK$19.37M · min. income ≈ HK$187,800/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$1,646,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,299
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$100,935
−HK$2,675/mo
Today · 4.125%
HK$103,610
baseline
▲ 0.50% · 4.625%
HK$109,071
+HK$5,461/mo
Deposit HK$19.37M · loan HK$19.37M · min. income ≈ HK$207,220/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$1,646,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,031
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$109,329
−HK$3,351/mo
Today · 4.125%
HK$112,680
baseline
▲ 0.50% · 4.625%
HK$119,536
+HK$6,856/mo
Deposit HK$15.50M · loan HK$23.25M · min. income ≈ HK$225,360/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,646,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,959
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$121,122
−HK$3,209/mo
Today · 4.125%
HK$124,331
baseline
▲ 0.50% · 4.625%
HK$130,885
+HK$6,554/mo
Deposit HK$15.50M · loan HK$23.25M · min. income ≈ HK$248,662/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,646,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,703
−HK$7,757/mo
▼ 0.25% · 3.875%
HK$127,551
−HK$3,909/mo
Today · 4.125%
HK$131,460
baseline
▲ 0.50% · 4.625%
HK$139,459
+HK$7,999/mo
Deposit HK$11.62M · loan HK$27.12M · min. income ≈ HK$262,920/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,646,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,618
−HK$7,435/mo
▼ 0.25% · 3.875%
HK$141,309
−HK$3,744/mo
Today · 4.125%
HK$145,053
baseline
▲ 0.50% · 4.625%
HK$152,699
+HK$7,646/mo
Deposit HK$11.62M · loan HK$27.12M · min. income ≈ HK$290,106/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,646,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,047
−HK$9,973/mo
▼ 0.25% · 3.875%
HK$163,994
−HK$5,026/mo
Today · 4.125%
HK$169,020
baseline
▲ 0.50% · 4.625%
HK$179,305
+HK$10,285/mo
Deposit HK$3.87M · loan HK$34.87M · min. income ≈ HK$338,040/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,646,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,938
−HK$9,559/mo
▼ 0.25% · 3.875%
HK$181,683
−HK$4,814/mo
Today · 4.125%
HK$186,497
baseline
▲ 0.50% · 4.625%
HK$196,328
+HK$9,831/mo
Deposit HK$3.87M · loan HK$34.87M · min. income ≈ HK$372,994/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,646,862 · Scale 2, in force from 26 Feb 2026)