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$89,158
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,931
−HK$2,818/mo
Today · 4.125%
HK$94,749
baseline
▲ 0.50% · 4.625%
HK$100,514
+HK$5,765/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$189,498/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,187
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,847
−HK$2,699/mo
Today · 4.125%
HK$104,546
baseline
▲ 0.50% · 4.625%
HK$110,056
+HK$5,510/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$209,092/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,989
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$110,317
−HK$3,381/mo
Today · 4.125%
HK$113,698
baseline
▲ 0.50% · 4.625%
HK$120,616
+HK$6,918/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$227,396/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,024
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$122,216
−HK$3,239/mo
Today · 4.125%
HK$125,455
baseline
▲ 0.50% · 4.625%
HK$132,068
+HK$6,613/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$250,910/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,821
−HK$7,827/mo
▼ 0.25% · 3.875%
HK$128,703
−HK$3,945/mo
Today · 4.125%
HK$132,648
baseline
▲ 0.50% · 4.625%
HK$140,719
+HK$8,071/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$265,296/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,862
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$142,586
−HK$3,778/mo
Today · 4.125%
HK$146,364
baseline
▲ 0.50% · 4.625%
HK$154,079
+HK$7,715/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$292,728/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,484
−HK$10,063/mo
▼ 0.25% · 3.875%
HK$165,476
−HK$5,071/mo
Today · 4.125%
HK$170,547
baseline
▲ 0.50% · 4.625%
HK$180,925
+HK$10,378/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$341,094/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,536
−HK$9,646/mo
▼ 0.25% · 3.875%
HK$183,325
−HK$4,857/mo
Today · 4.125%
HK$188,182
baseline
▲ 0.50% · 4.625%
HK$198,101
+HK$9,919/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$376,364/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,741 · Scale 2, in force from 26 Feb 2026)