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$88,724
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,484
−HK$2,804/mo
Today · 4.125%
HK$94,288
baseline
▲ 0.50% · 4.625%
HK$100,025
+HK$5,737/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$188,576/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,653,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,704
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,352
−HK$2,685/mo
Today · 4.125%
HK$104,037
baseline
▲ 0.50% · 4.625%
HK$109,521
+HK$5,484/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$208,074/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,653,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,469
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$109,780
−HK$3,365/mo
Today · 4.125%
HK$113,145
baseline
▲ 0.50% · 4.625%
HK$120,030
+HK$6,885/mo
Deposit HK$15.56M · loan HK$23.35M · min. income ≈ HK$226,290/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,653,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,445
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$121,622
−HK$3,223/mo
Today · 4.125%
HK$124,845
baseline
▲ 0.50% · 4.625%
HK$131,425
+HK$6,580/mo
Deposit HK$15.56M · loan HK$23.35M · min. income ≈ HK$249,690/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,653,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,213
−HK$7,790/mo
▼ 0.25% · 3.875%
HK$128,077
−HK$3,926/mo
Today · 4.125%
HK$132,003
baseline
▲ 0.50% · 4.625%
HK$140,035
+HK$8,032/mo
Deposit HK$11.67M · loan HK$27.24M · min. income ≈ HK$264,006/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,653,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,186
−HK$7,466/mo
▼ 0.25% · 3.875%
HK$141,892
−HK$3,760/mo
Today · 4.125%
HK$145,652
baseline
▲ 0.50% · 4.625%
HK$153,329
+HK$7,677/mo
Deposit HK$11.67M · loan HK$27.24M · min. income ≈ HK$291,304/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,653,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,703
−HK$10,015/mo
▼ 0.25% · 3.875%
HK$164,671
−HK$5,047/mo
Today · 4.125%
HK$169,718
baseline
▲ 0.50% · 4.625%
HK$180,045
+HK$10,327/mo
Deposit HK$3.89M · loan HK$35.02M · min. income ≈ HK$339,436/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,668
−HK$9,599/mo
▼ 0.25% · 3.875%
HK$182,433
−HK$4,834/mo
Today · 4.125%
HK$187,267
baseline
▲ 0.50% · 4.625%
HK$197,138
+HK$9,871/mo
Deposit HK$3.89M · loan HK$35.02M · min. income ≈ HK$374,534/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,658 · Scale 2, in force from 26 Feb 2026)