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$89,265
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$92,042
−HK$2,821/mo
Today · 4.125%
HK$94,863
baseline
▲ 0.50% · 4.625%
HK$100,635
+HK$5,772/mo
Deposit HK$19.57M · loan HK$19.57M · min. income ≈ HK$189,726/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$1,663,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,307
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$101,970
−HK$2,702/mo
Today · 4.125%
HK$104,672
baseline
▲ 0.50% · 4.625%
HK$110,189
+HK$5,517/mo
Deposit HK$19.57M · loan HK$19.57M · min. income ≈ HK$209,344/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$1,663,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,118
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$110,450
−HK$3,386/mo
Today · 4.125%
HK$113,836
baseline
▲ 0.50% · 4.625%
HK$120,762
+HK$6,926/mo
Deposit HK$15.66M · loan HK$23.49M · min. income ≈ HK$227,672/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,663,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,168
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$122,364
−HK$3,242/mo
Today · 4.125%
HK$125,606
baseline
▲ 0.50% · 4.625%
HK$132,227
+HK$6,621/mo
Deposit HK$15.66M · loan HK$23.49M · min. income ≈ HK$251,212/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,663,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,972
−HK$7,836/mo
▼ 0.25% · 3.875%
HK$128,859
−HK$3,949/mo
Today · 4.125%
HK$132,808
baseline
▲ 0.50% · 4.625%
HK$140,889
+HK$8,081/mo
Deposit HK$11.74M · loan HK$27.40M · min. income ≈ HK$265,616/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,663,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,030
−HK$7,511/mo
▼ 0.25% · 3.875%
HK$142,758
−HK$3,783/mo
Today · 4.125%
HK$146,541
baseline
▲ 0.50% · 4.625%
HK$154,265
+HK$7,724/mo
Deposit HK$11.74M · loan HK$27.40M · min. income ≈ HK$293,082/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,663,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,678
−HK$10,076/mo
▼ 0.25% · 3.875%
HK$165,676
−HK$5,078/mo
Today · 4.125%
HK$170,754
baseline
▲ 0.50% · 4.625%
HK$181,144
+HK$10,390/mo
Deposit HK$3.91M · loan HK$35.23M · min. income ≈ HK$341,508/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,752
−HK$9,658/mo
▼ 0.25% · 3.875%
HK$183,546
−HK$4,864/mo
Today · 4.125%
HK$188,410
baseline
▲ 0.50% · 4.625%
HK$198,341
+HK$9,931/mo
Deposit HK$3.91M · loan HK$35.23M · min. income ≈ HK$376,820/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,751 · Scale 2, in force from 26 Feb 2026)