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$89,268
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$92,044
−HK$2,822/mo
Today · 4.125%
HK$94,866
baseline
▲ 0.50% · 4.625%
HK$100,638
+HK$5,772/mo
Deposit HK$19.57M · loan HK$19.57M · min. income ≈ HK$189,732/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$1,663,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,309
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$101,973
−HK$2,702/mo
Today · 4.125%
HK$104,675
baseline
▲ 0.50% · 4.625%
HK$110,192
+HK$5,517/mo
Deposit HK$19.57M · loan HK$19.57M · min. income ≈ HK$209,350/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$1,663,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,121
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$110,453
−HK$3,386/mo
Today · 4.125%
HK$113,839
baseline
▲ 0.50% · 4.625%
HK$120,765
+HK$6,926/mo
Deposit HK$15.66M · loan HK$23.49M · min. income ≈ HK$227,678/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,663,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,171
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$122,367
−HK$3,243/mo
Today · 4.125%
HK$125,610
baseline
▲ 0.50% · 4.625%
HK$132,231
+HK$6,621/mo
Deposit HK$15.66M · loan HK$23.49M · min. income ≈ HK$251,220/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,663,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,975
−HK$7,837/mo
▼ 0.25% · 3.875%
HK$128,862
−HK$3,950/mo
Today · 4.125%
HK$132,812
baseline
▲ 0.50% · 4.625%
HK$140,893
+HK$8,081/mo
Deposit HK$11.74M · loan HK$27.40M · min. income ≈ HK$265,624/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,663,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,033
−HK$7,512/mo
▼ 0.25% · 3.875%
HK$142,762
−HK$3,783/mo
Today · 4.125%
HK$146,545
baseline
▲ 0.50% · 4.625%
HK$154,269
+HK$7,724/mo
Deposit HK$11.74M · loan HK$27.40M · min. income ≈ HK$293,090/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,663,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,682
−HK$10,076/mo
▼ 0.25% · 3.875%
HK$165,680
−HK$5,078/mo
Today · 4.125%
HK$170,758
baseline
▲ 0.50% · 4.625%
HK$181,148
+HK$10,390/mo
Deposit HK$3.91M · loan HK$35.23M · min. income ≈ HK$341,516/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,757
−HK$9,658/mo
▼ 0.25% · 3.875%
HK$183,551
−HK$4,864/mo
Today · 4.125%
HK$188,415
baseline
▲ 0.50% · 4.625%
HK$198,346
+HK$9,931/mo
Deposit HK$3.91M · loan HK$35.23M · min. income ≈ HK$376,830/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,795 · Scale 2, in force from 26 Feb 2026)