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$89,077
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,848
−HK$2,815/mo
Today · 4.125%
HK$94,663
baseline
▲ 0.50% · 4.625%
HK$100,423
+HK$5,760/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$189,326/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,660,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,097
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,755
−HK$2,696/mo
Today · 4.125%
HK$104,451
baseline
▲ 0.50% · 4.625%
HK$109,957
+HK$5,506/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$208,902/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,660,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,892
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$110,217
−HK$3,378/mo
Today · 4.125%
HK$113,595
baseline
▲ 0.50% · 4.625%
HK$120,507
+HK$6,912/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$227,190/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,917
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$122,106
−HK$3,235/mo
Today · 4.125%
HK$125,341
baseline
▲ 0.50% · 4.625%
HK$131,948
+HK$6,607/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$250,682/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,708
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$128,587
−HK$3,941/mo
Today · 4.125%
HK$132,528
baseline
▲ 0.50% · 4.625%
HK$140,592
+HK$8,064/mo
Deposit HK$11.72M · loan HK$27.35M · min. income ≈ HK$265,056/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,736
−HK$7,496/mo
▼ 0.25% · 3.875%
HK$142,457
−HK$3,775/mo
Today · 4.125%
HK$146,232
baseline
▲ 0.50% · 4.625%
HK$153,940
+HK$7,708/mo
Deposit HK$11.72M · loan HK$27.35M · min. income ≈ HK$292,464/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,338
−HK$10,055/mo
▼ 0.25% · 3.875%
HK$165,326
−HK$5,067/mo
Today · 4.125%
HK$170,393
baseline
▲ 0.50% · 4.625%
HK$180,761
+HK$10,368/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$340,786/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,375
−HK$9,637/mo
▼ 0.25% · 3.875%
HK$183,159
−HK$4,853/mo
Today · 4.125%
HK$188,012
baseline
▲ 0.50% · 4.625%
HK$197,922
+HK$9,910/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$376,024/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,239 · Scale 2, in force from 26 Feb 2026)