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$88,529
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$91,283
−HK$2,798/mo
Today · 4.125%
HK$94,081
baseline
▲ 0.50% · 4.625%
HK$99,805
+HK$5,724/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$188,162/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,650,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,488
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$101,129
−HK$2,680/mo
Today · 4.125%
HK$103,809
baseline
▲ 0.50% · 4.625%
HK$109,281
+HK$5,472/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$207,618/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,650,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,235
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$109,540
−HK$3,357/mo
Today · 4.125%
HK$112,897
baseline
▲ 0.50% · 4.625%
HK$119,766
+HK$6,869/mo
Deposit HK$15.53M · loan HK$23.29M · min. income ≈ HK$225,794/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,650,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,185
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$121,355
−HK$3,216/mo
Today · 4.125%
HK$124,571
baseline
▲ 0.50% · 4.625%
HK$131,137
+HK$6,566/mo
Deposit HK$15.53M · loan HK$23.29M · min. income ≈ HK$249,142/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,650,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,941
−HK$7,772/mo
▼ 0.25% · 3.875%
HK$127,796
−HK$3,917/mo
Today · 4.125%
HK$131,713
baseline
▲ 0.50% · 4.625%
HK$139,727
+HK$8,014/mo
Deposit HK$11.65M · loan HK$27.18M · min. income ≈ HK$263,426/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,650,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,883
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$141,581
−HK$3,751/mo
Today · 4.125%
HK$145,332
baseline
▲ 0.50% · 4.625%
HK$152,993
+HK$7,661/mo
Deposit HK$11.65M · loan HK$27.18M · min. income ≈ HK$290,664/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,650,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,352
−HK$9,993/mo
▼ 0.25% · 3.875%
HK$164,309
−HK$5,036/mo
Today · 4.125%
HK$169,345
baseline
▲ 0.50% · 4.625%
HK$179,650
+HK$10,305/mo
Deposit HK$3.88M · loan HK$34.94M · min. income ≈ HK$338,690/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,650,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,278
−HK$9,578/mo
▼ 0.25% · 3.875%
HK$182,033
−HK$4,823/mo
Today · 4.125%
HK$186,856
baseline
▲ 0.50% · 4.625%
HK$196,705
+HK$9,849/mo
Deposit HK$3.88M · loan HK$34.94M · min. income ≈ HK$373,712/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,650,030 · Scale 2, in force from 26 Feb 2026)