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$89,098
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$91,870
−HK$2,816/mo
Today · 4.125%
HK$94,686
baseline
▲ 0.50% · 4.625%
HK$100,447
+HK$5,761/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$189,372/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,121
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,779
−HK$2,697/mo
Today · 4.125%
HK$104,476
baseline
▲ 0.50% · 4.625%
HK$109,983
+HK$5,507/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$208,952/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,918
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$110,244
−HK$3,379/mo
Today · 4.125%
HK$113,623
baseline
▲ 0.50% · 4.625%
HK$120,536
+HK$6,913/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$227,246/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,945
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$122,135
−HK$3,236/mo
Today · 4.125%
HK$125,371
baseline
▲ 0.50% · 4.625%
HK$131,980
+HK$6,609/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$250,742/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,738
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$128,618
−HK$3,942/mo
Today · 4.125%
HK$132,560
baseline
▲ 0.50% · 4.625%
HK$140,626
+HK$8,066/mo
Deposit HK$11.72M · loan HK$27.35M · min. income ≈ HK$265,120/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,769
−HK$7,498/mo
▼ 0.25% · 3.875%
HK$142,491
−HK$3,776/mo
Today · 4.125%
HK$146,267
baseline
▲ 0.50% · 4.625%
HK$153,977
+HK$7,710/mo
Deposit HK$11.72M · loan HK$27.35M · min. income ≈ HK$292,534/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,377
−HK$10,057/mo
▼ 0.25% · 3.875%
HK$165,366
−HK$5,068/mo
Today · 4.125%
HK$170,434
baseline
▲ 0.50% · 4.625%
HK$180,805
+HK$10,371/mo
Deposit HK$3.91M · loan HK$35.17M · min. income ≈ HK$340,868/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,418
−HK$9,639/mo
▼ 0.25% · 3.875%
HK$183,203
−HK$4,854/mo
Today · 4.125%
HK$188,057
baseline
▲ 0.50% · 4.625%
HK$197,970
+HK$9,913/mo
Deposit HK$3.91M · loan HK$35.17M · min. income ≈ HK$376,114/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,638 · Scale 2, in force from 26 Feb 2026)