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$89,118
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$91,890
−HK$2,816/mo
Today · 4.125%
HK$94,706
baseline
▲ 0.50% · 4.625%
HK$100,469
+HK$5,763/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$189,412/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,143
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$101,801
−HK$2,698/mo
Today · 4.125%
HK$104,499
baseline
▲ 0.50% · 4.625%
HK$110,007
+HK$5,508/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$208,998/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,941
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$110,268
−HK$3,379/mo
Today · 4.125%
HK$113,647
baseline
▲ 0.50% · 4.625%
HK$120,563
+HK$6,916/mo
Deposit HK$15.63M · loan HK$23.45M · min. income ≈ HK$227,294/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,971
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$122,162
−HK$3,237/mo
Today · 4.125%
HK$125,399
baseline
▲ 0.50% · 4.625%
HK$132,009
+HK$6,610/mo
Deposit HK$15.63M · loan HK$23.45M · min. income ≈ HK$250,798/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,765
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$128,646
−HK$3,943/mo
Today · 4.125%
HK$132,589
baseline
▲ 0.50% · 4.625%
HK$140,656
+HK$8,067/mo
Deposit HK$11.72M · loan HK$27.36M · min. income ≈ HK$265,178/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,660,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,800
−HK$7,498/mo
▼ 0.25% · 3.875%
HK$142,522
−HK$3,776/mo
Today · 4.125%
HK$146,298
baseline
▲ 0.50% · 4.625%
HK$154,010
+HK$7,712/mo
Deposit HK$11.72M · loan HK$27.36M · min. income ≈ HK$292,596/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,660,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,412
−HK$10,059/mo
▼ 0.25% · 3.875%
HK$165,402
−HK$5,069/mo
Today · 4.125%
HK$170,471
baseline
▲ 0.50% · 4.625%
HK$180,844
+HK$10,373/mo
Deposit HK$3.91M · loan HK$35.17M · min. income ≈ HK$340,942/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,457
−HK$9,641/mo
▼ 0.25% · 3.875%
HK$183,243
−HK$4,855/mo
Today · 4.125%
HK$188,098
baseline
▲ 0.50% · 4.625%
HK$198,013
+HK$9,915/mo
Deposit HK$3.91M · loan HK$35.17M · min. income ≈ HK$376,196/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,998 · Scale 2, in force from 26 Feb 2026)