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$88,969
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$91,736
−HK$2,812/mo
Today · 4.125%
HK$94,548
baseline
▲ 0.50% · 4.625%
HK$100,301
+HK$5,753/mo
Deposit HK$19.51M · loan HK$19.51M · min. income ≈ HK$189,096/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,977
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,631
−HK$2,693/mo
Today · 4.125%
HK$104,324
baseline
▲ 0.50% · 4.625%
HK$109,823
+HK$5,499/mo
Deposit HK$19.51M · loan HK$19.51M · min. income ≈ HK$208,648/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,762
−HK$6,695/mo
▼ 0.25% · 3.875%
HK$110,083
−HK$3,374/mo
Today · 4.125%
HK$113,457
baseline
▲ 0.50% · 4.625%
HK$120,361
+HK$6,904/mo
Deposit HK$15.61M · loan HK$23.41M · min. income ≈ HK$226,914/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,658,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,772
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$121,958
−HK$3,231/mo
Today · 4.125%
HK$125,189
baseline
▲ 0.50% · 4.625%
HK$131,788
+HK$6,599/mo
Deposit HK$15.61M · loan HK$23.41M · min. income ≈ HK$250,378/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,658,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,556
−HK$7,811/mo
▼ 0.25% · 3.875%
HK$128,431
−HK$3,936/mo
Today · 4.125%
HK$132,367
baseline
▲ 0.50% · 4.625%
HK$140,421
+HK$8,054/mo
Deposit HK$11.71M · loan HK$27.31M · min. income ≈ HK$264,734/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,658,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,567
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$142,284
−HK$3,770/mo
Today · 4.125%
HK$146,054
baseline
▲ 0.50% · 4.625%
HK$153,753
+HK$7,699/mo
Deposit HK$11.71M · loan HK$27.31M · min. income ≈ HK$292,108/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,658,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,144
−HK$10,042/mo
▼ 0.25% · 3.875%
HK$165,125
−HK$5,061/mo
Today · 4.125%
HK$170,186
baseline
▲ 0.50% · 4.625%
HK$180,541
+HK$10,355/mo
Deposit HK$3.90M · loan HK$35.12M · min. income ≈ HK$340,372/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,158
−HK$9,625/mo
▼ 0.25% · 3.875%
HK$182,936
−HK$4,847/mo
Today · 4.125%
HK$187,783
baseline
▲ 0.50% · 4.625%
HK$197,682
+HK$9,899/mo
Deposit HK$3.90M · loan HK$35.12M · min. income ≈ HK$375,566/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,221 · Scale 2, in force from 26 Feb 2026)