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$89,061
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,831
−HK$2,815/mo
Today · 4.125%
HK$94,646
baseline
▲ 0.50% · 4.625%
HK$100,405
+HK$5,759/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$189,292/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,659,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,079
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,737
−HK$2,695/mo
Today · 4.125%
HK$104,432
baseline
▲ 0.50% · 4.625%
HK$109,937
+HK$5,505/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$208,864/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,659,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,873
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$110,198
−HK$3,377/mo
Today · 4.125%
HK$113,575
baseline
▲ 0.50% · 4.625%
HK$120,486
+HK$6,911/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$227,150/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,895
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$122,084
−HK$3,235/mo
Today · 4.125%
HK$125,319
baseline
▲ 0.50% · 4.625%
HK$131,925
+HK$6,606/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$250,638/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,685
−HK$7,819/mo
▼ 0.25% · 3.875%
HK$128,564
−HK$3,940/mo
Today · 4.125%
HK$132,504
baseline
▲ 0.50% · 4.625%
HK$140,567
+HK$8,063/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$265,008/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,659,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,711
−HK$7,494/mo
▼ 0.25% · 3.875%
HK$142,431
−HK$3,774/mo
Today · 4.125%
HK$146,205
baseline
▲ 0.50% · 4.625%
HK$153,912
+HK$7,707/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$292,410/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,659,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,310
−HK$10,053/mo
▼ 0.25% · 3.875%
HK$165,296
−HK$5,067/mo
Today · 4.125%
HK$170,363
baseline
▲ 0.50% · 4.625%
HK$180,729
+HK$10,366/mo
Deposit HK$3.91M · loan HK$35.15M · min. income ≈ HK$340,726/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,659,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,343
−HK$9,635/mo
▼ 0.25% · 3.875%
HK$183,126
−HK$4,852/mo
Today · 4.125%
HK$187,978
baseline
▲ 0.50% · 4.625%
HK$197,887
+HK$9,909/mo
Deposit HK$3.91M · loan HK$35.15M · min. income ≈ HK$375,956/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,659,942 · Scale 2, in force from 26 Feb 2026)