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$88,775
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,537
−HK$2,805/mo
Today · 4.125%
HK$94,342
baseline
▲ 0.50% · 4.625%
HK$100,083
+HK$5,741/mo
Deposit HK$19.47M · loan HK$19.47M · min. income ≈ HK$188,684/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$1,654,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,762
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,410
−HK$2,687/mo
Today · 4.125%
HK$104,097
baseline
▲ 0.50% · 4.625%
HK$109,585
+HK$5,488/mo
Deposit HK$19.47M · loan HK$19.47M · min. income ≈ HK$208,194/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$1,654,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,530
−HK$6,681/mo
▼ 0.25% · 3.875%
HK$109,844
−HK$3,367/mo
Today · 4.125%
HK$113,211
baseline
▲ 0.50% · 4.625%
HK$120,099
+HK$6,888/mo
Deposit HK$15.57M · loan HK$23.36M · min. income ≈ HK$226,422/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,654,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,514
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$121,692
−HK$3,225/mo
Today · 4.125%
HK$124,917
baseline
▲ 0.50% · 4.625%
HK$131,501
+HK$6,584/mo
Deposit HK$15.57M · loan HK$23.36M · min. income ≈ HK$249,834/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,654,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,285
−HK$7,794/mo
▼ 0.25% · 3.875%
HK$128,151
−HK$3,928/mo
Today · 4.125%
HK$132,079
baseline
▲ 0.50% · 4.625%
HK$140,116
+HK$8,037/mo
Deposit HK$11.68M · loan HK$27.25M · min. income ≈ HK$264,158/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,654,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,266
−HK$7,470/mo
▼ 0.25% · 3.875%
HK$141,975
−HK$3,761/mo
Today · 4.125%
HK$145,736
baseline
▲ 0.50% · 4.625%
HK$153,418
+HK$7,682/mo
Deposit HK$11.68M · loan HK$27.25M · min. income ≈ HK$291,472/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,654,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,796
−HK$10,020/mo
▼ 0.25% · 3.875%
HK$164,766
−HK$5,050/mo
Today · 4.125%
HK$169,816
baseline
▲ 0.50% · 4.625%
HK$180,149
+HK$10,333/mo
Deposit HK$3.89M · loan HK$35.04M · min. income ≈ HK$339,632/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,771
−HK$9,604/mo
▼ 0.25% · 3.875%
HK$182,539
−HK$4,836/mo
Today · 4.125%
HK$187,375
baseline
▲ 0.50% · 4.625%
HK$197,252
+HK$9,877/mo
Deposit HK$3.89M · loan HK$35.04M · min. income ≈ HK$374,750/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,617 · Scale 2, in force from 26 Feb 2026)