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$89,237
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$92,013
−HK$2,820/mo
Today · 4.125%
HK$94,833
baseline
▲ 0.50% · 4.625%
HK$100,604
+HK$5,771/mo
Deposit HK$19.57M · loan HK$19.57M · min. income ≈ HK$189,666/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,663,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,276
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,938
−HK$2,701/mo
Today · 4.125%
HK$104,639
baseline
▲ 0.50% · 4.625%
HK$110,155
+HK$5,516/mo
Deposit HK$19.57M · loan HK$19.57M · min. income ≈ HK$209,278/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,663,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,085
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$110,416
−HK$3,384/mo
Today · 4.125%
HK$113,800
baseline
▲ 0.50% · 4.625%
HK$120,724
+HK$6,924/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$227,600/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,663,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,131
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$122,326
−HK$3,241/mo
Today · 4.125%
HK$125,567
baseline
▲ 0.50% · 4.625%
HK$132,186
+HK$6,619/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$251,134/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,663,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,932
−HK$7,834/mo
▼ 0.25% · 3.875%
HK$128,818
−HK$3,948/mo
Today · 4.125%
HK$132,766
baseline
▲ 0.50% · 4.625%
HK$140,845
+HK$8,079/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$265,532/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,663,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,986
−HK$7,509/mo
▼ 0.25% · 3.875%
HK$142,713
−HK$3,782/mo
Today · 4.125%
HK$146,495
baseline
▲ 0.50% · 4.625%
HK$154,217
+HK$7,722/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$292,990/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,663,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,627
−HK$10,073/mo
▼ 0.25% · 3.875%
HK$165,623
−HK$5,077/mo
Today · 4.125%
HK$170,700
baseline
▲ 0.50% · 4.625%
HK$181,086
+HK$10,386/mo
Deposit HK$3.91M · loan HK$35.22M · min. income ≈ HK$341,400/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,696
−HK$9,654/mo
▼ 0.25% · 3.875%
HK$183,489
−HK$4,861/mo
Today · 4.125%
HK$188,350
baseline
▲ 0.50% · 4.625%
HK$198,279
+HK$9,929/mo
Deposit HK$3.91M · loan HK$35.22M · min. income ≈ HK$376,700/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,227 · Scale 2, in force from 26 Feb 2026)