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$88,908
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,674
−HK$2,809/mo
Today · 4.125%
HK$94,483
baseline
▲ 0.50% · 4.625%
HK$100,233
+HK$5,750/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$188,966/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,657,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,909
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,562
−HK$2,691/mo
Today · 4.125%
HK$104,253
baseline
▲ 0.50% · 4.625%
HK$109,749
+HK$5,496/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$208,506/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,657,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,690
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$110,008
−HK$3,372/mo
Today · 4.125%
HK$113,380
baseline
▲ 0.50% · 4.625%
HK$120,279
+HK$6,899/mo
Deposit HK$15.60M · loan HK$23.39M · min. income ≈ HK$226,760/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,657,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,691
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$121,875
−HK$3,229/mo
Today · 4.125%
HK$125,104
baseline
▲ 0.50% · 4.625%
HK$131,698
+HK$6,594/mo
Deposit HK$15.60M · loan HK$23.39M · min. income ≈ HK$250,208/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,657,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,471
−HK$7,806/mo
▼ 0.25% · 3.875%
HK$128,343
−HK$3,934/mo
Today · 4.125%
HK$132,277
baseline
▲ 0.50% · 4.625%
HK$140,326
+HK$8,049/mo
Deposit HK$11.70M · loan HK$27.29M · min. income ≈ HK$264,554/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,657,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,473
−HK$7,481/mo
▼ 0.25% · 3.875%
HK$142,187
−HK$3,767/mo
Today · 4.125%
HK$145,954
baseline
▲ 0.50% · 4.625%
HK$153,648
+HK$7,694/mo
Deposit HK$11.70M · loan HK$27.29M · min. income ≈ HK$291,908/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,657,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,035
−HK$10,035/mo
▼ 0.25% · 3.875%
HK$165,013
−HK$5,057/mo
Today · 4.125%
HK$170,070
baseline
▲ 0.50% · 4.625%
HK$180,419
+HK$10,349/mo
Deposit HK$3.90M · loan HK$35.09M · min. income ≈ HK$340,140/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,037
−HK$9,619/mo
▼ 0.25% · 3.875%
HK$182,812
−HK$4,844/mo
Today · 4.125%
HK$187,656
baseline
▲ 0.50% · 4.625%
HK$197,547
+HK$9,891/mo
Deposit HK$3.90M · loan HK$35.09M · min. income ≈ HK$375,312/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,093 · Scale 2, in force from 26 Feb 2026)