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$89,237
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$92,012
−HK$2,820/mo
Today · 4.125%
HK$94,832
baseline
▲ 0.50% · 4.625%
HK$100,603
+HK$5,771/mo
Deposit HK$19.57M · loan HK$19.57M · min. income ≈ HK$189,664/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,663,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,275
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,937
−HK$2,701/mo
Today · 4.125%
HK$104,638
baseline
▲ 0.50% · 4.625%
HK$110,154
+HK$5,516/mo
Deposit HK$19.57M · loan HK$19.57M · min. income ≈ HK$209,276/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,663,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,084
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$110,415
−HK$3,384/mo
Today · 4.125%
HK$113,799
baseline
▲ 0.50% · 4.625%
HK$120,723
+HK$6,924/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$227,598/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,663,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,130
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$122,325
−HK$3,241/mo
Today · 4.125%
HK$125,566
baseline
▲ 0.50% · 4.625%
HK$132,185
+HK$6,619/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$251,132/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,663,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,931
−HK$7,834/mo
▼ 0.25% · 3.875%
HK$128,817
−HK$3,948/mo
Today · 4.125%
HK$132,765
baseline
▲ 0.50% · 4.625%
HK$140,844
+HK$8,079/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$265,530/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,663,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,985
−HK$7,509/mo
▼ 0.25% · 3.875%
HK$142,712
−HK$3,782/mo
Today · 4.125%
HK$146,494
baseline
▲ 0.50% · 4.625%
HK$154,215
+HK$7,721/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$292,988/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,663,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,626
−HK$10,072/mo
▼ 0.25% · 3.875%
HK$165,622
−HK$5,076/mo
Today · 4.125%
HK$170,698
baseline
▲ 0.50% · 4.625%
HK$181,085
+HK$10,387/mo
Deposit HK$3.91M · loan HK$35.22M · min. income ≈ HK$341,396/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,695
−HK$9,654/mo
▼ 0.25% · 3.875%
HK$183,487
−HK$4,862/mo
Today · 4.125%
HK$188,349
baseline
▲ 0.50% · 4.625%
HK$198,277
+HK$9,928/mo
Deposit HK$3.91M · loan HK$35.22M · min. income ≈ HK$376,698/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,214 · Scale 2, in force from 26 Feb 2026)