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$89,063
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,833
−HK$2,815/mo
Today · 4.125%
HK$94,648
baseline
▲ 0.50% · 4.625%
HK$100,407
+HK$5,759/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$189,296/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,659,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,081
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,739
−HK$2,695/mo
Today · 4.125%
HK$104,434
baseline
▲ 0.50% · 4.625%
HK$109,939
+HK$5,505/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$208,868/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,659,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,875
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$110,200
−HK$3,377/mo
Today · 4.125%
HK$113,577
baseline
▲ 0.50% · 4.625%
HK$120,488
+HK$6,911/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$227,154/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,898
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$122,086
−HK$3,235/mo
Today · 4.125%
HK$125,321
baseline
▲ 0.50% · 4.625%
HK$131,927
+HK$6,606/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$250,642/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,688
−HK$7,819/mo
▼ 0.25% · 3.875%
HK$128,566
−HK$3,941/mo
Today · 4.125%
HK$132,507
baseline
▲ 0.50% · 4.625%
HK$140,569
+HK$8,062/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$265,014/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,659,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,714
−HK$7,494/mo
▼ 0.25% · 3.875%
HK$142,434
−HK$3,774/mo
Today · 4.125%
HK$146,208
baseline
▲ 0.50% · 4.625%
HK$153,915
+HK$7,707/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$292,416/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,659,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,313
−HK$10,053/mo
▼ 0.25% · 3.875%
HK$165,299
−HK$5,067/mo
Today · 4.125%
HK$170,366
baseline
▲ 0.50% · 4.625%
HK$180,732
+HK$10,366/mo
Deposit HK$3.91M · loan HK$35.15M · min. income ≈ HK$340,732/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,659,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,346
−HK$9,636/mo
▼ 0.25% · 3.875%
HK$183,129
−HK$4,853/mo
Today · 4.125%
HK$187,982
baseline
▲ 0.50% · 4.625%
HK$197,891
+HK$9,909/mo
Deposit HK$3.91M · loan HK$35.15M · min. income ≈ HK$375,964/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,659,972 · Scale 2, in force from 26 Feb 2026)