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$89,139
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,912
−HK$2,817/mo
Today · 4.125%
HK$94,729
baseline
▲ 0.50% · 4.625%
HK$100,493
+HK$5,764/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$189,458/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,166
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$101,826
−HK$2,698/mo
Today · 4.125%
HK$104,524
baseline
▲ 0.50% · 4.625%
HK$110,034
+HK$5,510/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$209,048/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,967
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$110,294
−HK$3,381/mo
Today · 4.125%
HK$113,675
baseline
▲ 0.50% · 4.625%
HK$120,592
+HK$6,917/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$227,350/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,000
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$122,191
−HK$3,238/mo
Today · 4.125%
HK$125,429
baseline
▲ 0.50% · 4.625%
HK$132,041
+HK$6,612/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$250,858/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,795
−HK$7,826/mo
▼ 0.25% · 3.875%
HK$128,677
−HK$3,944/mo
Today · 4.125%
HK$132,621
baseline
▲ 0.50% · 4.625%
HK$140,690
+HK$8,069/mo
Deposit HK$11.73M · loan HK$27.36M · min. income ≈ HK$265,242/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,833
−HK$7,501/mo
▼ 0.25% · 3.875%
HK$142,557
−HK$3,777/mo
Today · 4.125%
HK$146,334
baseline
▲ 0.50% · 4.625%
HK$154,047
+HK$7,713/mo
Deposit HK$11.73M · loan HK$27.36M · min. income ≈ HK$292,668/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,451
−HK$10,061/mo
▼ 0.25% · 3.875%
HK$165,442
−HK$5,070/mo
Today · 4.125%
HK$170,512
baseline
▲ 0.50% · 4.625%
HK$180,888
+HK$10,376/mo
Deposit HK$3.91M · loan HK$35.18M · min. income ≈ HK$341,024/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,500
−HK$9,643/mo
▼ 0.25% · 3.875%
HK$183,287
−HK$4,856/mo
Today · 4.125%
HK$188,143
baseline
▲ 0.50% · 4.625%
HK$198,061
+HK$9,918/mo
Deposit HK$3.91M · loan HK$35.18M · min. income ≈ HK$376,286/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,400 · Scale 2, in force from 26 Feb 2026)