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$89,292
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$92,070
−HK$2,822/mo
Today · 4.125%
HK$94,892
baseline
▲ 0.50% · 4.625%
HK$100,666
+HK$5,774/mo
Deposit HK$19.58M · loan HK$19.58M · min. income ≈ HK$189,784/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$1,664,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,337
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$102,001
−HK$2,703/mo
Today · 4.125%
HK$104,704
baseline
▲ 0.50% · 4.625%
HK$110,223
+HK$5,519/mo
Deposit HK$19.58M · loan HK$19.58M · min. income ≈ HK$209,408/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$1,664,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,151
−HK$6,719/mo
▼ 0.25% · 3.875%
HK$110,484
−HK$3,386/mo
Today · 4.125%
HK$113,870
baseline
▲ 0.50% · 4.625%
HK$120,799
+HK$6,929/mo
Deposit HK$15.66M · loan HK$23.50M · min. income ≈ HK$227,740/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,664,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,204
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$122,401
−HK$3,243/mo
Today · 4.125%
HK$125,644
baseline
▲ 0.50% · 4.625%
HK$132,267
+HK$6,623/mo
Deposit HK$15.66M · loan HK$23.50M · min. income ≈ HK$251,288/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,664,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,009
−HK$7,839/mo
▼ 0.25% · 3.875%
HK$128,898
−HK$3,950/mo
Today · 4.125%
HK$132,848
baseline
▲ 0.50% · 4.625%
HK$140,932
+HK$8,084/mo
Deposit HK$11.75M · loan HK$27.41M · min. income ≈ HK$265,696/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,664,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,071
−HK$7,514/mo
▼ 0.25% · 3.875%
HK$142,801
−HK$3,784/mo
Today · 4.125%
HK$146,585
baseline
▲ 0.50% · 4.625%
HK$154,312
+HK$7,727/mo
Deposit HK$11.75M · loan HK$27.41M · min. income ≈ HK$293,170/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,664,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,726
−HK$10,079/mo
▼ 0.25% · 3.875%
HK$165,725
−HK$5,080/mo
Today · 4.125%
HK$170,805
baseline
▲ 0.50% · 4.625%
HK$181,198
+HK$10,393/mo
Deposit HK$3.92M · loan HK$35.24M · min. income ≈ HK$341,610/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,806
−HK$9,660/mo
▼ 0.25% · 3.875%
HK$183,601
−HK$4,865/mo
Today · 4.125%
HK$188,466
baseline
▲ 0.50% · 4.625%
HK$198,401
+HK$9,935/mo
Deposit HK$3.92M · loan HK$35.24M · min. income ≈ HK$376,932/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,251 · Scale 2, in force from 26 Feb 2026)