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$89,059
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$91,829
−HK$2,814/mo
Today · 4.125%
HK$94,643
baseline
▲ 0.50% · 4.625%
HK$100,402
+HK$5,759/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$189,286/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,659,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,077
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,734
−HK$2,696/mo
Today · 4.125%
HK$104,430
baseline
▲ 0.50% · 4.625%
HK$109,934
+HK$5,504/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$208,860/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,659,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,870
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$110,195
−HK$3,377/mo
Today · 4.125%
HK$113,572
baseline
▲ 0.50% · 4.625%
HK$120,483
+HK$6,911/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$227,144/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,892
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$122,081
−HK$3,234/mo
Today · 4.125%
HK$125,315
baseline
▲ 0.50% · 4.625%
HK$131,921
+HK$6,606/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$250,630/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,682
−HK$7,819/mo
▼ 0.25% · 3.875%
HK$128,560
−HK$3,941/mo
Today · 4.125%
HK$132,501
baseline
▲ 0.50% · 4.625%
HK$140,563
+HK$8,062/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$265,002/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,659,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,707
−HK$7,494/mo
▼ 0.25% · 3.875%
HK$142,428
−HK$3,773/mo
Today · 4.125%
HK$146,201
baseline
▲ 0.50% · 4.625%
HK$153,908
+HK$7,707/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$292,402/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,659,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,305
−HK$10,053/mo
▼ 0.25% · 3.875%
HK$165,292
−HK$5,066/mo
Today · 4.125%
HK$170,358
baseline
▲ 0.50% · 4.625%
HK$180,724
+HK$10,366/mo
Deposit HK$3.91M · loan HK$35.15M · min. income ≈ HK$340,716/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,659,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,338
−HK$9,635/mo
▼ 0.25% · 3.875%
HK$183,121
−HK$4,852/mo
Today · 4.125%
HK$187,973
baseline
▲ 0.50% · 4.625%
HK$197,882
+HK$9,909/mo
Deposit HK$3.91M · loan HK$35.15M · min. income ≈ HK$375,946/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,659,897 · Scale 2, in force from 26 Feb 2026)