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$91,107
−HK$2,793/mo
Today · 4.125%
HK$93,900
baseline
▲ 0.50% · 4.625%
HK$99,613
+HK$5,713/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$1,646,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,298
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$100,935
−HK$2,674/mo
Today · 4.125%
HK$103,609
baseline
▲ 0.50% · 4.625%
HK$109,070
+HK$5,461/mo
Deposit HK$19.37M · loan HK$19.37M · min. income ≈ HK$207,218/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$1,646,855 · 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$1,646,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,958
−HK$6,373/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$1,646,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,702
−HK$7,758/mo
▼ 0.25% · 3.875%
HK$127,550
−HK$3,910/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$1,646,855 · 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$1,646,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,046
−HK$9,974/mo
▼ 0.25% · 3.875%
HK$163,993
−HK$5,027/mo
Today · 4.125%
HK$169,020
baseline
▲ 0.50% · 4.625%
HK$179,304
+HK$10,284/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$1,646,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,937
−HK$9,559/mo
▼ 0.25% · 3.875%
HK$181,682
−HK$4,814/mo
Today · 4.125%
HK$186,496
baseline
▲ 0.50% · 4.625%
HK$196,327
+HK$9,831/mo
Deposit HK$3.87M · loan HK$34.87M · min. income ≈ HK$372,992/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,646,855 · Scale 2, in force from 26 Feb 2026)