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$89,429
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$92,211
−HK$2,826/mo
Today · 4.125%
HK$95,037
baseline
▲ 0.50% · 4.625%
HK$100,820
+HK$5,783/mo
Deposit HK$19.61M · loan HK$19.61M · min. income ≈ HK$190,074/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$1,666,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,489
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$102,158
−HK$2,706/mo
Today · 4.125%
HK$104,864
baseline
▲ 0.50% · 4.625%
HK$110,392
+HK$5,528/mo
Deposit HK$19.61M · loan HK$19.61M · min. income ≈ HK$209,728/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$1,666,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,315
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$110,653
−HK$3,392/mo
Today · 4.125%
HK$114,045
baseline
▲ 0.50% · 4.625%
HK$120,984
+HK$6,939/mo
Deposit HK$15.69M · loan HK$23.53M · min. income ≈ HK$228,090/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,387
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$122,589
−HK$3,248/mo
Today · 4.125%
HK$125,837
baseline
▲ 0.50% · 4.625%
HK$132,470
+HK$6,633/mo
Deposit HK$15.69M · loan HK$23.53M · min. income ≈ HK$251,674/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,201
−HK$7,851/mo
▼ 0.25% · 3.875%
HK$129,096
−HK$3,956/mo
Today · 4.125%
HK$133,052
baseline
▲ 0.50% · 4.625%
HK$141,148
+HK$8,096/mo
Deposit HK$11.77M · loan HK$27.45M · min. income ≈ HK$266,104/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,285
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$143,021
−HK$3,789/mo
Today · 4.125%
HK$146,810
baseline
▲ 0.50% · 4.625%
HK$154,549
+HK$7,739/mo
Deposit HK$11.77M · loan HK$27.45M · min. income ≈ HK$293,620/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,973
−HK$10,094/mo
▼ 0.25% · 3.875%
HK$165,980
−HK$5,087/mo
Today · 4.125%
HK$171,067
baseline
▲ 0.50% · 4.625%
HK$181,476
+HK$10,409/mo
Deposit HK$3.92M · loan HK$35.30M · min. income ≈ HK$342,134/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,081
−HK$9,675/mo
▼ 0.25% · 3.875%
HK$183,884
−HK$4,872/mo
Today · 4.125%
HK$188,756
baseline
▲ 0.50% · 4.625%
HK$198,706
+HK$9,950/mo
Deposit HK$3.92M · loan HK$35.30M · min. income ≈ HK$377,512/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,809 · Scale 2, in force from 26 Feb 2026)