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$89,112
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,884
−HK$2,817/mo
Today · 4.125%
HK$94,701
baseline
▲ 0.50% · 4.625%
HK$100,463
+HK$5,762/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$189,402/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,137
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$101,795
−HK$2,698/mo
Today · 4.125%
HK$104,493
baseline
▲ 0.50% · 4.625%
HK$110,001
+HK$5,508/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$208,986/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,935
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$110,261
−HK$3,380/mo
Today · 4.125%
HK$113,641
baseline
▲ 0.50% · 4.625%
HK$120,555
+HK$6,914/mo
Deposit HK$15.63M · loan HK$23.45M · min. income ≈ HK$227,282/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,964
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$122,155
−HK$3,236/mo
Today · 4.125%
HK$125,391
baseline
▲ 0.50% · 4.625%
HK$132,001
+HK$6,610/mo
Deposit HK$15.63M · loan HK$23.45M · min. income ≈ HK$250,782/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,757
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$128,638
−HK$3,943/mo
Today · 4.125%
HK$132,581
baseline
▲ 0.50% · 4.625%
HK$140,648
+HK$8,067/mo
Deposit HK$11.72M · loan HK$27.36M · min. income ≈ HK$265,162/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,791
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$142,514
−HK$3,776/mo
Today · 4.125%
HK$146,290
baseline
▲ 0.50% · 4.625%
HK$154,001
+HK$7,711/mo
Deposit HK$11.72M · loan HK$27.36M · min. income ≈ HK$292,580/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,402
−HK$10,059/mo
▼ 0.25% · 3.875%
HK$165,392
−HK$5,069/mo
Today · 4.125%
HK$170,461
baseline
▲ 0.50% · 4.625%
HK$180,833
+HK$10,372/mo
Deposit HK$3.91M · loan HK$35.17M · min. income ≈ HK$340,922/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,446
−HK$9,641/mo
▼ 0.25% · 3.875%
HK$183,232
−HK$4,855/mo
Today · 4.125%
HK$188,087
baseline
▲ 0.50% · 4.625%
HK$198,001
+HK$9,914/mo
Deposit HK$3.91M · loan HK$35.17M · min. income ≈ HK$376,174/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,901 · Scale 2, in force from 26 Feb 2026)