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$89,133
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,905
−HK$2,817/mo
Today · 4.125%
HK$94,722
baseline
▲ 0.50% · 4.625%
HK$100,486
+HK$5,764/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$189,444/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,159
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,819
−HK$2,697/mo
Today · 4.125%
HK$104,516
baseline
▲ 0.50% · 4.625%
HK$110,026
+HK$5,510/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$209,032/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,959
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$110,286
−HK$3,381/mo
Today · 4.125%
HK$113,667
baseline
▲ 0.50% · 4.625%
HK$120,583
+HK$6,916/mo
Deposit HK$15.64M · loan HK$23.45M · min. income ≈ HK$227,334/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,991
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$122,182
−HK$3,238/mo
Today · 4.125%
HK$125,420
baseline
▲ 0.50% · 4.625%
HK$132,031
+HK$6,611/mo
Deposit HK$15.64M · loan HK$23.45M · min. income ≈ HK$250,840/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,786
−HK$7,825/mo
▼ 0.25% · 3.875%
HK$128,667
−HK$3,944/mo
Today · 4.125%
HK$132,611
baseline
▲ 0.50% · 4.625%
HK$140,680
+HK$8,069/mo
Deposit HK$11.73M · loan HK$27.36M · min. income ≈ HK$265,222/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,823
−HK$7,500/mo
▼ 0.25% · 3.875%
HK$142,546
−HK$3,777/mo
Today · 4.125%
HK$146,323
baseline
▲ 0.50% · 4.625%
HK$154,036
+HK$7,713/mo
Deposit HK$11.73M · loan HK$27.36M · min. income ≈ HK$292,646/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,439
−HK$10,061/mo
▼ 0.25% · 3.875%
HK$165,429
−HK$5,071/mo
Today · 4.125%
HK$170,500
baseline
▲ 0.50% · 4.625%
HK$180,874
+HK$10,374/mo
Deposit HK$3.91M · loan HK$35.18M · min. income ≈ HK$341,000/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,487
−HK$9,643/mo
▼ 0.25% · 3.875%
HK$183,274
−HK$4,856/mo
Today · 4.125%
HK$188,130
baseline
▲ 0.50% · 4.625%
HK$198,046
+HK$9,916/mo
Deposit HK$3.91M · loan HK$35.18M · min. income ≈ HK$376,260/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,278 · Scale 2, in force from 26 Feb 2026)