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$89,117
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$91,889
−HK$2,816/mo
Today · 4.125%
HK$94,705
baseline
▲ 0.50% · 4.625%
HK$100,468
+HK$5,763/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$189,410/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,141
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,800
−HK$2,698/mo
Today · 4.125%
HK$104,498
baseline
▲ 0.50% · 4.625%
HK$110,006
+HK$5,508/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$208,996/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,940
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$110,267
−HK$3,379/mo
Today · 4.125%
HK$113,646
baseline
▲ 0.50% · 4.625%
HK$120,561
+HK$6,915/mo
Deposit HK$15.63M · loan HK$23.45M · min. income ≈ HK$227,292/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,970
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$122,161
−HK$3,236/mo
Today · 4.125%
HK$125,397
baseline
▲ 0.50% · 4.625%
HK$132,007
+HK$6,610/mo
Deposit HK$15.63M · loan HK$23.45M · min. income ≈ HK$250,794/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,763
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$128,644
−HK$3,943/mo
Today · 4.125%
HK$132,587
baseline
▲ 0.50% · 4.625%
HK$140,655
+HK$8,068/mo
Deposit HK$11.72M · loan HK$27.36M · min. income ≈ HK$265,174/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,660,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,798
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$142,521
−HK$3,776/mo
Today · 4.125%
HK$146,297
baseline
▲ 0.50% · 4.625%
HK$154,008
+HK$7,711/mo
Deposit HK$11.72M · loan HK$27.36M · min. income ≈ HK$292,594/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,660,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,410
−HK$10,059/mo
▼ 0.25% · 3.875%
HK$165,400
−HK$5,069/mo
Today · 4.125%
HK$170,469
baseline
▲ 0.50% · 4.625%
HK$180,842
+HK$10,373/mo
Deposit HK$3.91M · loan HK$35.17M · min. income ≈ HK$340,938/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,455
−HK$9,641/mo
▼ 0.25% · 3.875%
HK$183,241
−HK$4,855/mo
Today · 4.125%
HK$188,096
baseline
▲ 0.50% · 4.625%
HK$198,011
+HK$9,915/mo
Deposit HK$3.91M · loan HK$35.17M · min. income ≈ HK$376,192/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,981 · Scale 2, in force from 26 Feb 2026)