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$88,974
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$91,741
−HK$2,812/mo
Today · 4.125%
HK$94,553
baseline
▲ 0.50% · 4.625%
HK$100,307
+HK$5,754/mo
Deposit HK$19.51M · loan HK$19.51M · min. income ≈ HK$189,106/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,982
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,637
−HK$2,693/mo
Today · 4.125%
HK$104,330
baseline
▲ 0.50% · 4.625%
HK$109,830
+HK$5,500/mo
Deposit HK$19.51M · loan HK$19.51M · min. income ≈ HK$208,660/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,769
−HK$6,695/mo
▼ 0.25% · 3.875%
HK$110,090
−HK$3,374/mo
Today · 4.125%
HK$113,464
baseline
▲ 0.50% · 4.625%
HK$120,368
+HK$6,904/mo
Deposit HK$15.61M · loan HK$23.41M · min. income ≈ HK$226,928/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,658,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,779
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$121,965
−HK$3,231/mo
Today · 4.125%
HK$125,196
baseline
▲ 0.50% · 4.625%
HK$131,795
+HK$6,599/mo
Deposit HK$15.61M · loan HK$23.41M · min. income ≈ HK$250,392/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,658,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,563
−HK$7,812/mo
▼ 0.25% · 3.875%
HK$128,438
−HK$3,937/mo
Today · 4.125%
HK$132,375
baseline
▲ 0.50% · 4.625%
HK$140,429
+HK$8,054/mo
Deposit HK$11.71M · loan HK$27.31M · min. income ≈ HK$264,750/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,658,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,575
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$142,292
−HK$3,770/mo
Today · 4.125%
HK$146,062
baseline
▲ 0.50% · 4.625%
HK$153,761
+HK$7,699/mo
Deposit HK$11.71M · loan HK$27.31M · min. income ≈ HK$292,124/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,658,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,153
−HK$10,043/mo
▼ 0.25% · 3.875%
HK$165,134
−HK$5,062/mo
Today · 4.125%
HK$170,196
baseline
▲ 0.50% · 4.625%
HK$180,552
+HK$10,356/mo
Deposit HK$3.90M · loan HK$35.12M · min. income ≈ HK$340,392/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,168
−HK$9,626/mo
▼ 0.25% · 3.875%
HK$182,947
−HK$4,847/mo
Today · 4.125%
HK$187,794
baseline
▲ 0.50% · 4.625%
HK$197,693
+HK$9,899/mo
Deposit HK$3.90M · loan HK$35.12M · min. income ≈ HK$375,588/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,317 · Scale 2, in force from 26 Feb 2026)