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$89,416
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$92,197
−HK$2,826/mo
Today · 4.125%
HK$95,023
baseline
▲ 0.50% · 4.625%
HK$100,805
+HK$5,782/mo
Deposit HK$19.61M · loan HK$19.61M · min. income ≈ HK$190,046/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,474
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$102,142
−HK$2,707/mo
Today · 4.125%
HK$104,849
baseline
▲ 0.50% · 4.625%
HK$110,375
+HK$5,526/mo
Deposit HK$19.61M · loan HK$19.61M · min. income ≈ HK$209,698/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,299
−HK$6,729/mo
▼ 0.25% · 3.875%
HK$110,637
−HK$3,391/mo
Today · 4.125%
HK$114,028
baseline
▲ 0.50% · 4.625%
HK$120,966
+HK$6,938/mo
Deposit HK$15.69M · loan HK$23.53M · min. income ≈ HK$228,056/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,369
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$122,571
−HK$3,247/mo
Today · 4.125%
HK$125,818
baseline
▲ 0.50% · 4.625%
HK$132,450
+HK$6,632/mo
Deposit HK$15.69M · loan HK$23.53M · min. income ≈ HK$251,636/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,182
−HK$7,850/mo
▼ 0.25% · 3.875%
HK$129,076
−HK$3,956/mo
Today · 4.125%
HK$133,032
baseline
▲ 0.50% · 4.625%
HK$141,127
+HK$8,095/mo
Deposit HK$11.76M · loan HK$27.45M · min. income ≈ HK$266,064/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,264
−HK$7,524/mo
▼ 0.25% · 3.875%
HK$142,999
−HK$3,789/mo
Today · 4.125%
HK$146,788
baseline
▲ 0.50% · 4.625%
HK$154,525
+HK$7,737/mo
Deposit HK$11.76M · loan HK$27.45M · min. income ≈ HK$293,576/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,949
−HK$10,093/mo
▼ 0.25% · 3.875%
HK$165,955
−HK$5,087/mo
Today · 4.125%
HK$171,042
baseline
▲ 0.50% · 4.625%
HK$181,449
+HK$10,407/mo
Deposit HK$3.92M · loan HK$35.29M · min. income ≈ HK$342,084/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,054
−HK$9,673/mo
▼ 0.25% · 3.875%
HK$183,856
−HK$4,871/mo
Today · 4.125%
HK$188,727
baseline
▲ 0.50% · 4.625%
HK$198,676
+HK$9,949/mo
Deposit HK$3.92M · loan HK$35.29M · min. income ≈ HK$377,454/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,557 · Scale 2, in force from 26 Feb 2026)