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$89,226
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$92,001
−HK$2,820/mo
Today · 4.125%
HK$94,821
baseline
▲ 0.50% · 4.625%
HK$100,590
+HK$5,769/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$189,642/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,663,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,263
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$101,925
−HK$2,700/mo
Today · 4.125%
HK$104,625
baseline
▲ 0.50% · 4.625%
HK$110,140
+HK$5,515/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$209,250/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,663,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,071
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$110,401
−HK$3,384/mo
Today · 4.125%
HK$113,785
baseline
▲ 0.50% · 4.625%
HK$120,709
+HK$6,924/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$227,570/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,663,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,115
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$122,310
−HK$3,241/mo
Today · 4.125%
HK$125,551
baseline
▲ 0.50% · 4.625%
HK$132,168
+HK$6,617/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$251,102/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,663,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,916
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$128,801
−HK$3,948/mo
Today · 4.125%
HK$132,749
baseline
▲ 0.50% · 4.625%
HK$140,827
+HK$8,078/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$265,498/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,663,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,968
−HK$7,508/mo
▼ 0.25% · 3.875%
HK$142,695
−HK$3,781/mo
Today · 4.125%
HK$146,476
baseline
▲ 0.50% · 4.625%
HK$154,197
+HK$7,721/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$292,952/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,663,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,606
−HK$10,072/mo
▼ 0.25% · 3.875%
HK$165,602
−HK$5,076/mo
Today · 4.125%
HK$170,678
baseline
▲ 0.50% · 4.625%
HK$181,063
+HK$10,385/mo
Deposit HK$3.91M · loan HK$35.22M · min. income ≈ HK$341,356/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,673
−HK$9,653/mo
▼ 0.25% · 3.875%
HK$183,465
−HK$4,861/mo
Today · 4.125%
HK$188,326
baseline
▲ 0.50% · 4.625%
HK$198,253
+HK$9,927/mo
Deposit HK$3.91M · loan HK$35.22M · min. income ≈ HK$376,652/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,010 · Scale 2, in force from 26 Feb 2026)