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$89,042
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$91,812
−HK$2,814/mo
Today · 4.125%
HK$94,626
baseline
▲ 0.50% · 4.625%
HK$100,384
+HK$5,758/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$189,252/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$1,659,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,059
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,715
−HK$2,695/mo
Today · 4.125%
HK$104,410
baseline
▲ 0.50% · 4.625%
HK$109,914
+HK$5,504/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$208,820/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$1,659,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,851
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$110,174
−HK$3,377/mo
Today · 4.125%
HK$113,551
baseline
▲ 0.50% · 4.625%
HK$120,460
+HK$6,909/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$227,102/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,870
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$122,058
−HK$3,235/mo
Today · 4.125%
HK$125,293
baseline
▲ 0.50% · 4.625%
HK$131,897
+HK$6,604/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$250,586/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,659
−HK$7,817/mo
▼ 0.25% · 3.875%
HK$128,537
−HK$3,939/mo
Today · 4.125%
HK$132,476
baseline
▲ 0.50% · 4.625%
HK$140,537
+HK$8,061/mo
Deposit HK$11.71M · loan HK$27.33M · min. income ≈ HK$264,952/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,682
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$142,401
−HK$3,774/mo
Today · 4.125%
HK$146,175
baseline
▲ 0.50% · 4.625%
HK$153,880
+HK$7,705/mo
Deposit HK$11.71M · loan HK$27.33M · min. income ≈ HK$292,350/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,276
−HK$10,051/mo
▼ 0.25% · 3.875%
HK$165,262
−HK$5,065/mo
Today · 4.125%
HK$170,327
baseline
▲ 0.50% · 4.625%
HK$180,691
+HK$10,364/mo
Deposit HK$3.90M · loan HK$35.14M · min. income ≈ HK$340,654/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,305
−HK$9,634/mo
▼ 0.25% · 3.875%
HK$183,088
−HK$4,851/mo
Today · 4.125%
HK$187,939
baseline
▲ 0.50% · 4.625%
HK$197,845
+HK$9,906/mo
Deposit HK$3.90M · loan HK$35.14M · min. income ≈ HK$375,878/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,592 · Scale 2, in force from 26 Feb 2026)