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$89,224
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$92,000
−HK$2,820/mo
Today · 4.125%
HK$94,820
baseline
▲ 0.50% · 4.625%
HK$100,589
+HK$5,769/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$189,640/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,662,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,261
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,923
−HK$2,701/mo
Today · 4.125%
HK$104,624
baseline
▲ 0.50% · 4.625%
HK$110,139
+HK$5,515/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$209,248/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,662,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,069
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$110,400
−HK$3,383/mo
Today · 4.125%
HK$113,783
baseline
▲ 0.50% · 4.625%
HK$120,707
+HK$6,924/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$227,566/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,114
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$122,308
−HK$3,241/mo
Today · 4.125%
HK$125,549
baseline
▲ 0.50% · 4.625%
HK$132,167
+HK$6,618/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$251,098/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,914
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$128,800
−HK$3,947/mo
Today · 4.125%
HK$132,747
baseline
▲ 0.50% · 4.625%
HK$140,825
+HK$8,078/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$265,494/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,966
−HK$7,508/mo
▼ 0.25% · 3.875%
HK$142,693
−HK$3,781/mo
Today · 4.125%
HK$146,474
baseline
▲ 0.50% · 4.625%
HK$154,194
+HK$7,720/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$292,948/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,604
−HK$10,071/mo
▼ 0.25% · 3.875%
HK$165,600
−HK$5,075/mo
Today · 4.125%
HK$170,675
baseline
▲ 0.50% · 4.625%
HK$181,060
+HK$10,385/mo
Deposit HK$3.91M · loan HK$35.22M · min. income ≈ HK$341,350/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,662,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,670
−HK$9,653/mo
▼ 0.25% · 3.875%
HK$183,462
−HK$4,861/mo
Today · 4.125%
HK$188,323
baseline
▲ 0.50% · 4.625%
HK$198,250
+HK$9,927/mo
Deposit HK$3.91M · loan HK$35.22M · min. income ≈ HK$376,646/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,662,988 · Scale 2, in force from 26 Feb 2026)