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$88,934
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$91,701
−HK$2,810/mo
Today · 4.125%
HK$94,511
baseline
▲ 0.50% · 4.625%
HK$100,262
+HK$5,751/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$189,022/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,938
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$101,592
−HK$2,692/mo
Today · 4.125%
HK$104,284
baseline
▲ 0.50% · 4.625%
HK$109,781
+HK$5,497/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$208,568/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,721
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$110,041
−HK$3,372/mo
Today · 4.125%
HK$113,413
baseline
▲ 0.50% · 4.625%
HK$120,314
+HK$6,901/mo
Deposit HK$15.60M · loan HK$23.40M · min. income ≈ HK$226,826/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,726
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$121,910
−HK$3,231/mo
Today · 4.125%
HK$125,141
baseline
▲ 0.50% · 4.625%
HK$131,737
+HK$6,596/mo
Deposit HK$15.60M · loan HK$23.40M · min. income ≈ HK$250,282/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,508
−HK$7,808/mo
▼ 0.25% · 3.875%
HK$128,381
−HK$3,935/mo
Today · 4.125%
HK$132,316
baseline
▲ 0.50% · 4.625%
HK$140,367
+HK$8,051/mo
Deposit HK$11.70M · loan HK$27.30M · min. income ≈ HK$264,632/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,514
−HK$7,483/mo
▼ 0.25% · 3.875%
HK$142,229
−HK$3,768/mo
Today · 4.125%
HK$145,997
baseline
▲ 0.50% · 4.625%
HK$153,693
+HK$7,696/mo
Deposit HK$11.70M · loan HK$27.30M · min. income ≈ HK$291,994/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,082
−HK$10,038/mo
▼ 0.25% · 3.875%
HK$165,061
−HK$5,059/mo
Today · 4.125%
HK$170,120
baseline
▲ 0.50% · 4.625%
HK$180,472
+HK$10,352/mo
Deposit HK$3.90M · loan HK$35.10M · min. income ≈ HK$340,240/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,089
−HK$9,622/mo
▼ 0.25% · 3.875%
HK$182,865
−HK$4,846/mo
Today · 4.125%
HK$187,711
baseline
▲ 0.50% · 4.625%
HK$197,605
+HK$9,894/mo
Deposit HK$3.90M · loan HK$35.10M · min. income ≈ HK$375,422/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,579 · Scale 2, in force from 26 Feb 2026)