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$89,221
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$91,996
−HK$2,820/mo
Today · 4.125%
HK$94,816
baseline
▲ 0.50% · 4.625%
HK$100,585
+HK$5,769/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$189,632/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,662,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,257
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,919
−HK$2,701/mo
Today · 4.125%
HK$104,620
baseline
▲ 0.50% · 4.625%
HK$110,135
+HK$5,515/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$209,240/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,662,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,065
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$110,396
−HK$3,383/mo
Today · 4.125%
HK$113,779
baseline
▲ 0.50% · 4.625%
HK$120,702
+HK$6,923/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$227,558/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,109
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$122,303
−HK$3,241/mo
Today · 4.125%
HK$125,544
baseline
▲ 0.50% · 4.625%
HK$132,162
+HK$6,618/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$251,088/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,909
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$128,795
−HK$3,947/mo
Today · 4.125%
HK$132,742
baseline
▲ 0.50% · 4.625%
HK$140,819
+HK$8,077/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$265,484/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,960
−HK$7,508/mo
▼ 0.25% · 3.875%
HK$142,687
−HK$3,781/mo
Today · 4.125%
HK$146,468
baseline
▲ 0.50% · 4.625%
HK$154,189
+HK$7,721/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$292,936/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,598
−HK$10,071/mo
▼ 0.25% · 3.875%
HK$165,593
−HK$5,076/mo
Today · 4.125%
HK$170,669
baseline
▲ 0.50% · 4.625%
HK$181,053
+HK$10,384/mo
Deposit HK$3.91M · loan HK$35.21M · min. income ≈ HK$341,338/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,662,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,663
−HK$9,653/mo
▼ 0.25% · 3.875%
HK$183,455
−HK$4,861/mo
Today · 4.125%
HK$188,316
baseline
▲ 0.50% · 4.625%
HK$198,242
+HK$9,926/mo
Deposit HK$3.91M · loan HK$35.21M · min. income ≈ HK$376,632/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,662,924 · Scale 2, in force from 26 Feb 2026)