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$89,046
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$91,816
−HK$2,814/mo
Today · 4.125%
HK$94,630
baseline
▲ 0.50% · 4.625%
HK$100,388
+HK$5,758/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$189,260/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,659,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,063
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$101,719
−HK$2,696/mo
Today · 4.125%
HK$104,415
baseline
▲ 0.50% · 4.625%
HK$109,919
+HK$5,504/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$208,830/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,659,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,855
−HK$6,701/mo
▼ 0.25% · 3.875%
HK$110,179
−HK$3,377/mo
Today · 4.125%
HK$113,556
baseline
▲ 0.50% · 4.625%
HK$120,465
+HK$6,909/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$227,112/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,875
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$122,063
−HK$3,235/mo
Today · 4.125%
HK$125,298
baseline
▲ 0.50% · 4.625%
HK$131,902
+HK$6,604/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$250,596/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,664
−HK$7,818/mo
▼ 0.25% · 3.875%
HK$128,542
−HK$3,940/mo
Today · 4.125%
HK$132,482
baseline
▲ 0.50% · 4.625%
HK$140,543
+HK$8,061/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$264,964/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,688
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$142,407
−HK$3,774/mo
Today · 4.125%
HK$146,181
baseline
▲ 0.50% · 4.625%
HK$153,886
+HK$7,705/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$292,362/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,283
−HK$10,051/mo
▼ 0.25% · 3.875%
HK$165,268
−HK$5,066/mo
Today · 4.125%
HK$170,334
baseline
▲ 0.50% · 4.625%
HK$180,698
+HK$10,364/mo
Deposit HK$3.91M · loan HK$35.15M · min. income ≈ HK$340,668/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,313
−HK$9,633/mo
▼ 0.25% · 3.875%
HK$183,095
−HK$4,851/mo
Today · 4.125%
HK$187,946
baseline
▲ 0.50% · 4.625%
HK$197,853
+HK$9,907/mo
Deposit HK$3.91M · loan HK$35.15M · min. income ≈ HK$375,892/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,660 · Scale 2, in force from 26 Feb 2026)