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$89,073
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,844
−HK$2,815/mo
Today · 4.125%
HK$94,659
baseline
▲ 0.50% · 4.625%
HK$100,418
+HK$5,759/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$189,318/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,660,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,093
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,750
−HK$2,696/mo
Today · 4.125%
HK$104,446
baseline
▲ 0.50% · 4.625%
HK$109,952
+HK$5,506/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$208,892/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,660,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,888
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$110,212
−HK$3,378/mo
Today · 4.125%
HK$113,590
baseline
▲ 0.50% · 4.625%
HK$120,502
+HK$6,912/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$227,180/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,911
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$122,100
−HK$3,236/mo
Today · 4.125%
HK$125,336
baseline
▲ 0.50% · 4.625%
HK$131,942
+HK$6,606/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$250,672/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,702
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$128,581
−HK$3,941/mo
Today · 4.125%
HK$132,522
baseline
▲ 0.50% · 4.625%
HK$140,586
+HK$8,064/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$265,044/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,730
−HK$7,495/mo
▼ 0.25% · 3.875%
HK$142,451
−HK$3,774/mo
Today · 4.125%
HK$146,225
baseline
▲ 0.50% · 4.625%
HK$153,933
+HK$7,708/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$292,450/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,331
−HK$10,055/mo
▼ 0.25% · 3.875%
HK$165,319
−HK$5,067/mo
Today · 4.125%
HK$170,386
baseline
▲ 0.50% · 4.625%
HK$180,753
+HK$10,367/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$340,772/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,367
−HK$9,637/mo
▼ 0.25% · 3.875%
HK$183,151
−HK$4,853/mo
Today · 4.125%
HK$188,004
baseline
▲ 0.50% · 4.625%
HK$197,914
+HK$9,910/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$376,008/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,165 · Scale 2, in force from 26 Feb 2026)