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$88,729
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,489
−HK$2,804/mo
Today · 4.125%
HK$94,293
baseline
▲ 0.50% · 4.625%
HK$100,030
+HK$5,737/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$188,586/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,653,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,710
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,357
−HK$2,686/mo
Today · 4.125%
HK$104,043
baseline
▲ 0.50% · 4.625%
HK$109,527
+HK$5,484/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$208,086/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,653,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,474
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$109,786
−HK$3,365/mo
Today · 4.125%
HK$113,151
baseline
▲ 0.50% · 4.625%
HK$120,036
+HK$6,885/mo
Deposit HK$15.56M · loan HK$23.35M · min. income ≈ HK$226,302/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,653,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,452
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$121,629
−HK$3,222/mo
Today · 4.125%
HK$124,851
baseline
▲ 0.50% · 4.625%
HK$131,432
+HK$6,581/mo
Deposit HK$15.56M · loan HK$23.35M · min. income ≈ HK$249,702/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,653,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,220
−HK$7,790/mo
▼ 0.25% · 3.875%
HK$128,084
−HK$3,926/mo
Today · 4.125%
HK$132,010
baseline
▲ 0.50% · 4.625%
HK$140,042
+HK$8,032/mo
Deposit HK$11.67M · loan HK$27.24M · min. income ≈ HK$264,020/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,653,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,194
−HK$7,466/mo
▼ 0.25% · 3.875%
HK$141,900
−HK$3,760/mo
Today · 4.125%
HK$145,660
baseline
▲ 0.50% · 4.625%
HK$153,338
+HK$7,678/mo
Deposit HK$11.67M · loan HK$27.24M · min. income ≈ HK$291,320/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,653,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,712
−HK$10,015/mo
▼ 0.25% · 3.875%
HK$164,680
−HK$5,047/mo
Today · 4.125%
HK$169,727
baseline
▲ 0.50% · 4.625%
HK$180,054
+HK$10,327/mo
Deposit HK$3.89M · loan HK$35.02M · min. income ≈ HK$339,454/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,678
−HK$9,599/mo
▼ 0.25% · 3.875%
HK$182,443
−HK$4,834/mo
Today · 4.125%
HK$187,277
baseline
▲ 0.50% · 4.625%
HK$197,149
+HK$9,872/mo
Deposit HK$3.89M · loan HK$35.02M · min. income ≈ HK$374,554/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,749 · Scale 2, in force from 26 Feb 2026)