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$89,422
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$92,204
−HK$2,826/mo
Today · 4.125%
HK$95,030
baseline
▲ 0.50% · 4.625%
HK$100,812
+HK$5,782/mo
Deposit HK$19.61M · loan HK$19.61M · min. income ≈ HK$190,060/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,481
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$102,149
−HK$2,707/mo
Today · 4.125%
HK$104,856
baseline
▲ 0.50% · 4.625%
HK$110,383
+HK$5,527/mo
Deposit HK$19.61M · loan HK$19.61M · min. income ≈ HK$209,712/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,306
−HK$6,729/mo
▼ 0.25% · 3.875%
HK$110,644
−HK$3,391/mo
Today · 4.125%
HK$114,035
baseline
▲ 0.50% · 4.625%
HK$120,974
+HK$6,939/mo
Deposit HK$15.69M · loan HK$23.53M · min. income ≈ HK$228,070/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,377
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$122,579
−HK$3,248/mo
Today · 4.125%
HK$125,827
baseline
▲ 0.50% · 4.625%
HK$132,459
+HK$6,632/mo
Deposit HK$15.69M · loan HK$23.53M · min. income ≈ HK$251,654/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,191
−HK$7,850/mo
▼ 0.25% · 3.875%
HK$129,085
−HK$3,956/mo
Today · 4.125%
HK$133,041
baseline
▲ 0.50% · 4.625%
HK$141,137
+HK$8,096/mo
Deposit HK$11.76M · loan HK$27.45M · min. income ≈ HK$266,082/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,274
−HK$7,524/mo
▼ 0.25% · 3.875%
HK$143,009
−HK$3,789/mo
Today · 4.125%
HK$146,798
baseline
▲ 0.50% · 4.625%
HK$154,536
+HK$7,738/mo
Deposit HK$11.76M · loan HK$27.45M · min. income ≈ HK$293,596/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,960
−HK$10,093/mo
▼ 0.25% · 3.875%
HK$165,966
−HK$5,087/mo
Today · 4.125%
HK$171,053
baseline
▲ 0.50% · 4.625%
HK$181,461
+HK$10,408/mo
Deposit HK$3.92M · loan HK$35.29M · min. income ≈ HK$342,106/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,066
−HK$9,674/mo
▼ 0.25% · 3.875%
HK$183,868
−HK$4,872/mo
Today · 4.125%
HK$188,740
baseline
▲ 0.50% · 4.625%
HK$198,689
+HK$9,949/mo
Deposit HK$3.92M · loan HK$35.29M · min. income ≈ HK$377,480/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,671 · Scale 2, in force from 26 Feb 2026)