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$88,923
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$91,689
−HK$2,811/mo
Today · 4.125%
HK$94,500
baseline
▲ 0.50% · 4.625%
HK$100,250
+HK$5,750/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$189,000/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,926
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$101,580
−HK$2,691/mo
Today · 4.125%
HK$104,271
baseline
▲ 0.50% · 4.625%
HK$109,767
+HK$5,496/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$208,542/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,708
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$110,027
−HK$3,373/mo
Today · 4.125%
HK$113,400
baseline
▲ 0.50% · 4.625%
HK$120,300
+HK$6,900/mo
Deposit HK$15.60M · loan HK$23.40M · min. income ≈ HK$226,800/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,712
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$121,896
−HK$3,229/mo
Today · 4.125%
HK$125,125
baseline
▲ 0.50% · 4.625%
HK$131,721
+HK$6,596/mo
Deposit HK$15.60M · loan HK$23.40M · min. income ≈ HK$250,250/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,493
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$128,365
−HK$3,935/mo
Today · 4.125%
HK$132,300
baseline
▲ 0.50% · 4.625%
HK$140,350
+HK$8,050/mo
Deposit HK$11.70M · loan HK$27.30M · min. income ≈ HK$264,600/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,497
−HK$7,483/mo
▼ 0.25% · 3.875%
HK$142,211
−HK$3,769/mo
Today · 4.125%
HK$145,980
baseline
▲ 0.50% · 4.625%
HK$153,674
+HK$7,694/mo
Deposit HK$11.70M · loan HK$27.30M · min. income ≈ HK$291,960/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,062
−HK$10,038/mo
▼ 0.25% · 3.875%
HK$165,041
−HK$5,059/mo
Today · 4.125%
HK$170,100
baseline
▲ 0.50% · 4.625%
HK$180,450
+HK$10,350/mo
Deposit HK$3.90M · loan HK$35.10M · min. income ≈ HK$340,200/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,068
−HK$9,620/mo
▼ 0.25% · 3.875%
HK$182,843
−HK$4,845/mo
Today · 4.125%
HK$187,688
baseline
▲ 0.50% · 4.625%
HK$197,581
+HK$9,893/mo
Deposit HK$3.90M · loan HK$35.10M · min. income ≈ HK$375,376/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,378 · Scale 2, in force from 26 Feb 2026)