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$89,201
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,976
−HK$2,819/mo
Today · 4.125%
HK$94,795
baseline
▲ 0.50% · 4.625%
HK$100,563
+HK$5,768/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$189,590/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$1,662,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,235
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$101,897
−HK$2,700/mo
Today · 4.125%
HK$104,597
baseline
▲ 0.50% · 4.625%
HK$110,110
+HK$5,513/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$209,194/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$1,662,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,041
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$110,371
−HK$3,383/mo
Today · 4.125%
HK$113,754
baseline
▲ 0.50% · 4.625%
HK$120,675
+HK$6,921/mo
Deposit HK$15.65M · loan HK$23.47M · min. income ≈ HK$227,508/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,082
−HK$6,434/mo
▼ 0.25% · 3.875%
HK$122,276
−HK$3,240/mo
Today · 4.125%
HK$125,516
baseline
▲ 0.50% · 4.625%
HK$132,132
+HK$6,616/mo
Deposit HK$15.65M · loan HK$23.47M · min. income ≈ HK$251,032/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,881
−HK$7,831/mo
▼ 0.25% · 3.875%
HK$128,766
−HK$3,946/mo
Today · 4.125%
HK$132,712
baseline
▲ 0.50% · 4.625%
HK$140,788
+HK$8,076/mo
Deposit HK$11.74M · loan HK$27.38M · min. income ≈ HK$265,424/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,929
−HK$7,506/mo
▼ 0.25% · 3.875%
HK$142,655
−HK$3,780/mo
Today · 4.125%
HK$146,435
baseline
▲ 0.50% · 4.625%
HK$154,154
+HK$7,719/mo
Deposit HK$11.74M · loan HK$27.38M · min. income ≈ HK$292,870/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,562
−HK$10,068/mo
▼ 0.25% · 3.875%
HK$165,556
−HK$5,074/mo
Today · 4.125%
HK$170,630
baseline
▲ 0.50% · 4.625%
HK$181,013
+HK$10,383/mo
Deposit HK$3.91M · loan HK$35.21M · min. income ≈ HK$341,260/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,662,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,623
−HK$9,651/mo
▼ 0.25% · 3.875%
HK$183,414
−HK$4,860/mo
Today · 4.125%
HK$188,274
baseline
▲ 0.50% · 4.625%
HK$198,198
+HK$9,924/mo
Deposit HK$3.91M · loan HK$35.21M · min. income ≈ HK$376,548/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,662,550 · Scale 2, in force from 26 Feb 2026)