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$88,925
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$91,691
−HK$2,810/mo
Today · 4.125%
HK$94,501
baseline
▲ 0.50% · 4.625%
HK$100,252
+HK$5,751/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$189,002/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,928
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$101,581
−HK$2,692/mo
Today · 4.125%
HK$104,273
baseline
▲ 0.50% · 4.625%
HK$109,769
+HK$5,496/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$208,546/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,710
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$110,029
−HK$3,373/mo
Today · 4.125%
HK$113,402
baseline
▲ 0.50% · 4.625%
HK$120,302
+HK$6,900/mo
Deposit HK$15.60M · loan HK$23.40M · min. income ≈ HK$226,804/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,714
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$121,898
−HK$3,230/mo
Today · 4.125%
HK$125,128
baseline
▲ 0.50% · 4.625%
HK$131,723
+HK$6,595/mo
Deposit HK$15.60M · loan HK$23.40M · min. income ≈ HK$250,256/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,495
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$128,368
−HK$3,934/mo
Today · 4.125%
HK$132,302
baseline
▲ 0.50% · 4.625%
HK$140,352
+HK$8,050/mo
Deposit HK$11.70M · loan HK$27.30M · min. income ≈ HK$264,604/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,500
−HK$7,482/mo
▼ 0.25% · 3.875%
HK$142,214
−HK$3,768/mo
Today · 4.125%
HK$145,982
baseline
▲ 0.50% · 4.625%
HK$153,677
+HK$7,695/mo
Deposit HK$11.70M · loan HK$27.30M · min. income ≈ HK$291,964/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,065
−HK$10,038/mo
▼ 0.25% · 3.875%
HK$165,044
−HK$5,059/mo
Today · 4.125%
HK$170,103
baseline
▲ 0.50% · 4.625%
HK$180,453
+HK$10,350/mo
Deposit HK$3.90M · loan HK$35.10M · min. income ≈ HK$340,206/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,071
−HK$9,620/mo
▼ 0.25% · 3.875%
HK$182,847
−HK$4,844/mo
Today · 4.125%
HK$187,691
baseline
▲ 0.50% · 4.625%
HK$197,585
+HK$9,894/mo
Deposit HK$3.90M · loan HK$35.10M · min. income ≈ HK$375,382/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,408 · Scale 2, in force from 26 Feb 2026)