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$89,377
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$92,158
−HK$2,824/mo
Today · 4.125%
HK$94,982
baseline
▲ 0.50% · 4.625%
HK$100,762
+HK$5,780/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$189,964/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$1,665,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,432
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$102,098
−HK$2,706/mo
Today · 4.125%
HK$104,804
baseline
▲ 0.50% · 4.625%
HK$110,328
+HK$5,524/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$209,608/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$1,665,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,253
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$110,589
−HK$3,390/mo
Today · 4.125%
HK$113,979
baseline
▲ 0.50% · 4.625%
HK$120,914
+HK$6,935/mo
Deposit HK$15.68M · loan HK$23.52M · min. income ≈ HK$227,958/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,665,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,318
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$122,518
−HK$3,246/mo
Today · 4.125%
HK$125,764
baseline
▲ 0.50% · 4.625%
HK$132,393
+HK$6,629/mo
Deposit HK$15.68M · loan HK$23.52M · min. income ≈ HK$251,528/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,665,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,128
−HK$7,847/mo
▼ 0.25% · 3.875%
HK$129,021
−HK$3,954/mo
Today · 4.125%
HK$132,975
baseline
▲ 0.50% · 4.625%
HK$141,066
+HK$8,091/mo
Deposit HK$11.76M · loan HK$27.44M · min. income ≈ HK$265,950/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,665,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,204
−HK$7,521/mo
▼ 0.25% · 3.875%
HK$142,938
−HK$3,787/mo
Today · 4.125%
HK$146,725
baseline
▲ 0.50% · 4.625%
HK$154,459
+HK$7,734/mo
Deposit HK$11.76M · loan HK$27.44M · min. income ≈ HK$293,450/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,665,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,879
−HK$10,089/mo
▼ 0.25% · 3.875%
HK$165,884
−HK$5,084/mo
Today · 4.125%
HK$170,968
baseline
▲ 0.50% · 4.625%
HK$181,371
+HK$10,403/mo
Deposit HK$3.92M · loan HK$35.28M · min. income ≈ HK$341,936/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,665,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,977
−HK$9,669/mo
▼ 0.25% · 3.875%
HK$183,777
−HK$4,869/mo
Today · 4.125%
HK$188,646
baseline
▲ 0.50% · 4.625%
HK$198,590
+HK$9,944/mo
Deposit HK$3.92M · loan HK$35.28M · min. income ≈ HK$377,292/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,665,841 · Scale 2, in force from 26 Feb 2026)