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$89,071
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,841
−HK$2,815/mo
Today · 4.125%
HK$94,656
baseline
▲ 0.50% · 4.625%
HK$100,416
+HK$5,760/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$189,312/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,660,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,090
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,748
−HK$2,696/mo
Today · 4.125%
HK$104,444
baseline
▲ 0.50% · 4.625%
HK$109,949
+HK$5,505/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$208,888/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,660,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,885
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$110,210
−HK$3,378/mo
Today · 4.125%
HK$113,588
baseline
▲ 0.50% · 4.625%
HK$120,499
+HK$6,911/mo
Deposit HK$15.62M · loan HK$23.44M · min. income ≈ HK$227,176/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,660,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,909
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$122,098
−HK$3,235/mo
Today · 4.125%
HK$125,333
baseline
▲ 0.50% · 4.625%
HK$131,939
+HK$6,606/mo
Deposit HK$15.62M · loan HK$23.44M · min. income ≈ HK$250,666/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,660,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,699
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$128,578
−HK$3,941/mo
Today · 4.125%
HK$132,519
baseline
▲ 0.50% · 4.625%
HK$140,582
+HK$8,063/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$265,038/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,727
−HK$7,495/mo
▼ 0.25% · 3.875%
HK$142,447
−HK$3,775/mo
Today · 4.125%
HK$146,222
baseline
▲ 0.50% · 4.625%
HK$153,929
+HK$7,707/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$292,444/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,328
−HK$10,054/mo
▼ 0.25% · 3.875%
HK$165,315
−HK$5,067/mo
Today · 4.125%
HK$170,382
baseline
▲ 0.50% · 4.625%
HK$180,749
+HK$10,367/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$340,764/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,363
−HK$9,636/mo
▼ 0.25% · 3.875%
HK$183,146
−HK$4,853/mo
Today · 4.125%
HK$187,999
baseline
▲ 0.50% · 4.625%
HK$197,909
+HK$9,910/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$375,998/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,126 · Scale 2, in force from 26 Feb 2026)