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$88,413
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$91,163
−HK$2,794/mo
Today · 4.125%
HK$93,957
baseline
▲ 0.50% · 4.625%
HK$99,674
+HK$5,717/mo
Deposit HK$19.39M · loan HK$19.39M · min. income ≈ HK$187,914/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$1,647,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,358
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$100,996
−HK$2,676/mo
Today · 4.125%
HK$103,672
baseline
▲ 0.50% · 4.625%
HK$109,137
+HK$5,465/mo
Deposit HK$19.39M · loan HK$19.39M · min. income ≈ HK$207,344/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$1,647,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,095
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$109,395
−HK$3,353/mo
Today · 4.125%
HK$112,748
baseline
▲ 0.50% · 4.625%
HK$119,609
+HK$6,861/mo
Deposit HK$15.51M · loan HK$23.26M · min. income ≈ HK$225,496/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,647,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,030
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$121,195
−HK$3,212/mo
Today · 4.125%
HK$124,407
baseline
▲ 0.50% · 4.625%
HK$130,964
+HK$6,557/mo
Deposit HK$15.51M · loan HK$23.26M · min. income ≈ HK$248,814/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,647,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,778
−HK$7,762/mo
▼ 0.25% · 3.875%
HK$127,628
−HK$3,912/mo
Today · 4.125%
HK$131,540
baseline
▲ 0.50% · 4.625%
HK$139,544
+HK$8,004/mo
Deposit HK$11.63M · loan HK$27.14M · min. income ≈ HK$263,080/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,647,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,702
−HK$7,439/mo
▼ 0.25% · 3.875%
HK$141,395
−HK$3,746/mo
Today · 4.125%
HK$145,141
baseline
▲ 0.50% · 4.625%
HK$152,792
+HK$7,651/mo
Deposit HK$11.63M · loan HK$27.14M · min. income ≈ HK$290,282/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,647,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,143
−HK$9,980/mo
▼ 0.25% · 3.875%
HK$164,093
−HK$5,030/mo
Today · 4.125%
HK$169,123
baseline
▲ 0.50% · 4.625%
HK$179,413
+HK$10,290/mo
Deposit HK$3.88M · loan HK$34.90M · min. income ≈ HK$338,246/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,647,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,045
−HK$9,565/mo
▼ 0.25% · 3.875%
HK$181,793
−HK$4,817/mo
Today · 4.125%
HK$186,610
baseline
▲ 0.50% · 4.625%
HK$196,447
+HK$9,837/mo
Deposit HK$3.88M · loan HK$34.90M · min. income ≈ HK$373,220/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,647,859 · Scale 2, in force from 26 Feb 2026)