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$89,511
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$92,296
−HK$2,828/mo
Today · 4.125%
HK$95,124
baseline
▲ 0.50% · 4.625%
HK$100,912
+HK$5,788/mo
Deposit HK$19.63M · loan HK$19.63M · min. income ≈ HK$190,248/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$1,668,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,580
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$102,251
−HK$2,709/mo
Today · 4.125%
HK$104,960
baseline
▲ 0.50% · 4.625%
HK$110,493
+HK$5,533/mo
Deposit HK$19.63M · loan HK$19.63M · min. income ≈ HK$209,920/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$1,668,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,413
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$110,755
−HK$3,394/mo
Today · 4.125%
HK$114,149
baseline
▲ 0.50% · 4.625%
HK$121,095
+HK$6,946/mo
Deposit HK$15.70M · loan HK$23.55M · min. income ≈ HK$228,298/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,668,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,496
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$122,701
−HK$3,251/mo
Today · 4.125%
HK$125,952
baseline
▲ 0.50% · 4.625%
HK$132,592
+HK$6,640/mo
Deposit HK$15.70M · loan HK$23.55M · min. income ≈ HK$251,904/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,668,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,316
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$129,214
−HK$3,960/mo
Today · 4.125%
HK$133,174
baseline
▲ 0.50% · 4.625%
HK$141,277
+HK$8,103/mo
Deposit HK$11.78M · loan HK$27.48M · min. income ≈ HK$266,348/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,668,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,412
−HK$7,533/mo
▼ 0.25% · 3.875%
HK$143,151
−HK$3,794/mo
Today · 4.125%
HK$146,945
baseline
▲ 0.50% · 4.625%
HK$154,690
+HK$7,745/mo
Deposit HK$11.78M · loan HK$27.48M · min. income ≈ HK$293,890/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,668,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,120
−HK$10,104/mo
▼ 0.25% · 3.875%
HK$166,132
−HK$5,092/mo
Today · 4.125%
HK$171,224
baseline
▲ 0.50% · 4.625%
HK$181,642
+HK$10,418/mo
Deposit HK$3.93M · loan HK$35.33M · min. income ≈ HK$342,448/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,668,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,245
−HK$9,684/mo
▼ 0.25% · 3.875%
HK$184,052
−HK$4,877/mo
Today · 4.125%
HK$188,929
baseline
▲ 0.50% · 4.625%
HK$198,887
+HK$9,958/mo
Deposit HK$3.93M · loan HK$35.33M · min. income ≈ HK$377,858/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,668,334 · Scale 2, in force from 26 Feb 2026)