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$88,894
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$91,659
−HK$2,809/mo
Today · 4.125%
HK$94,468
baseline
▲ 0.50% · 4.625%
HK$100,216
+HK$5,748/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$188,936/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,656,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,893
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$101,546
−HK$2,690/mo
Today · 4.125%
HK$104,236
baseline
▲ 0.50% · 4.625%
HK$109,731
+HK$5,495/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$208,472/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,656,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,673
−HK$6,689/mo
▼ 0.25% · 3.875%
HK$109,991
−HK$3,371/mo
Today · 4.125%
HK$113,362
baseline
▲ 0.50% · 4.625%
HK$120,260
+HK$6,898/mo
Deposit HK$15.59M · loan HK$23.39M · min. income ≈ HK$226,724/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,656,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,672
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$121,855
−HK$3,229/mo
Today · 4.125%
HK$125,084
baseline
▲ 0.50% · 4.625%
HK$131,677
+HK$6,593/mo
Deposit HK$15.59M · loan HK$23.39M · min. income ≈ HK$250,168/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,656,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,451
−HK$7,805/mo
▼ 0.25% · 3.875%
HK$128,322
−HK$3,934/mo
Today · 4.125%
HK$132,256
baseline
▲ 0.50% · 4.625%
HK$140,303
+HK$8,047/mo
Deposit HK$11.70M · loan HK$27.29M · min. income ≈ HK$264,512/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,451
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$142,164
−HK$3,767/mo
Today · 4.125%
HK$145,931
baseline
▲ 0.50% · 4.625%
HK$153,623
+HK$7,692/mo
Deposit HK$11.70M · loan HK$27.29M · min. income ≈ HK$291,862/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,009
−HK$10,034/mo
▼ 0.25% · 3.875%
HK$164,986
−HK$5,057/mo
Today · 4.125%
HK$170,043
baseline
▲ 0.50% · 4.625%
HK$180,389
+HK$10,346/mo
Deposit HK$3.90M · loan HK$35.09M · min. income ≈ HK$340,086/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,656,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,008
−HK$9,617/mo
▼ 0.25% · 3.875%
HK$182,782
−HK$4,843/mo
Today · 4.125%
HK$187,625
baseline
▲ 0.50% · 4.625%
HK$197,515
+HK$9,890/mo
Deposit HK$3.90M · loan HK$35.09M · min. income ≈ HK$375,250/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,656,826 · Scale 2, in force from 26 Feb 2026)