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$88,353
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$91,101
−HK$2,792/mo
Today · 4.125%
HK$93,893
baseline
▲ 0.50% · 4.625%
HK$99,606
+HK$5,713/mo
Deposit HK$19.37M · loan HK$19.37M · min. income ≈ HK$187,786/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$1,646,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,291
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$100,928
−HK$2,674/mo
Today · 4.125%
HK$103,602
baseline
▲ 0.50% · 4.625%
HK$109,063
+HK$5,461/mo
Deposit HK$19.37M · loan HK$19.37M · min. income ≈ HK$207,204/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$1,646,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,023
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$109,321
−HK$3,351/mo
Today · 4.125%
HK$112,672
baseline
▲ 0.50% · 4.625%
HK$119,528
+HK$6,856/mo
Deposit HK$15.50M · loan HK$23.25M · min. income ≈ HK$225,344/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,646,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,950
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$121,113
−HK$3,209/mo
Today · 4.125%
HK$124,322
baseline
▲ 0.50% · 4.625%
HK$130,875
+HK$6,553/mo
Deposit HK$15.50M · loan HK$23.25M · min. income ≈ HK$248,644/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,646,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,694
−HK$7,756/mo
▼ 0.25% · 3.875%
HK$127,541
−HK$3,909/mo
Today · 4.125%
HK$131,450
baseline
▲ 0.50% · 4.625%
HK$139,449
+HK$7,999/mo
Deposit HK$11.62M · loan HK$27.12M · min. income ≈ HK$262,900/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,646,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,608
−HK$7,435/mo
▼ 0.25% · 3.875%
HK$141,299
−HK$3,744/mo
Today · 4.125%
HK$145,043
baseline
▲ 0.50% · 4.625%
HK$152,688
+HK$7,645/mo
Deposit HK$11.62M · loan HK$27.12M · min. income ≈ HK$290,086/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,646,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,035
−HK$9,973/mo
▼ 0.25% · 3.875%
HK$163,982
−HK$5,026/mo
Today · 4.125%
HK$169,008
baseline
▲ 0.50% · 4.625%
HK$179,291
+HK$10,283/mo
Deposit HK$3.87M · loan HK$34.87M · min. income ≈ HK$338,016/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,646,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,925
−HK$9,558/mo
▼ 0.25% · 3.875%
HK$181,670
−HK$4,813/mo
Today · 4.125%
HK$186,483
baseline
▲ 0.50% · 4.625%
HK$196,313
+HK$9,830/mo
Deposit HK$3.87M · loan HK$34.87M · min. income ≈ HK$372,966/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,646,740 · Scale 2, in force from 26 Feb 2026)