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$89,395
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$92,176
−HK$2,825/mo
Today · 4.125%
HK$95,001
baseline
▲ 0.50% · 4.625%
HK$100,781
+HK$5,780/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$190,002/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,451
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$102,118
−HK$2,706/mo
Today · 4.125%
HK$104,824
baseline
▲ 0.50% · 4.625%
HK$110,349
+HK$5,525/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$209,648/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,274
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$110,611
−HK$3,390/mo
Today · 4.125%
HK$114,001
baseline
▲ 0.50% · 4.625%
HK$120,938
+HK$6,937/mo
Deposit HK$15.68M · loan HK$23.52M · min. income ≈ HK$228,002/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,341
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$122,542
−HK$3,247/mo
Today · 4.125%
HK$125,789
baseline
▲ 0.50% · 4.625%
HK$132,419
+HK$6,630/mo
Deposit HK$15.68M · loan HK$23.52M · min. income ≈ HK$251,578/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,153
−HK$7,848/mo
▼ 0.25% · 3.875%
HK$129,046
−HK$3,955/mo
Today · 4.125%
HK$133,001
baseline
▲ 0.50% · 4.625%
HK$141,094
+HK$8,093/mo
Deposit HK$11.76M · loan HK$27.44M · min. income ≈ HK$266,002/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,231
−HK$7,522/mo
▼ 0.25% · 3.875%
HK$142,965
−HK$3,788/mo
Today · 4.125%
HK$146,753
baseline
▲ 0.50% · 4.625%
HK$154,489
+HK$7,736/mo
Deposit HK$11.76M · loan HK$27.44M · min. income ≈ HK$293,506/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,911
−HK$10,090/mo
▼ 0.25% · 3.875%
HK$165,916
−HK$5,085/mo
Today · 4.125%
HK$171,001
baseline
▲ 0.50% · 4.625%
HK$181,406
+HK$10,405/mo
Deposit HK$3.92M · loan HK$35.28M · min. income ≈ HK$342,002/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,012
−HK$9,671/mo
▼ 0.25% · 3.875%
HK$183,813
−HK$4,870/mo
Today · 4.125%
HK$188,683
baseline
▲ 0.50% · 4.625%
HK$198,629
+HK$9,946/mo
Deposit HK$3.92M · loan HK$35.28M · min. income ≈ HK$377,366/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,165 · Scale 2, in force from 26 Feb 2026)