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$88,999
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$91,768
−HK$2,813/mo
Today · 4.125%
HK$94,581
baseline
▲ 0.50% · 4.625%
HK$100,336
+HK$5,755/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$189,162/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,011
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$101,666
−HK$2,694/mo
Today · 4.125%
HK$104,360
baseline
▲ 0.50% · 4.625%
HK$109,861
+HK$5,501/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$208,720/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,799
−HK$6,698/mo
▼ 0.25% · 3.875%
HK$110,121
−HK$3,376/mo
Today · 4.125%
HK$113,497
baseline
▲ 0.50% · 4.625%
HK$120,403
+HK$6,906/mo
Deposit HK$15.61M · loan HK$23.42M · min. income ≈ HK$226,994/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,658,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,813
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$122,000
−HK$3,232/mo
Today · 4.125%
HK$125,232
baseline
▲ 0.50% · 4.625%
HK$131,834
+HK$6,602/mo
Deposit HK$15.61M · loan HK$23.42M · min. income ≈ HK$250,464/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,658,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,599
−HK$7,814/mo
▼ 0.25% · 3.875%
HK$128,475
−HK$3,938/mo
Today · 4.125%
HK$132,413
baseline
▲ 0.50% · 4.625%
HK$140,470
+HK$8,057/mo
Deposit HK$11.71M · loan HK$27.32M · min. income ≈ HK$264,826/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,658,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,615
−HK$7,489/mo
▼ 0.25% · 3.875%
HK$142,333
−HK$3,771/mo
Today · 4.125%
HK$146,104
baseline
▲ 0.50% · 4.625%
HK$153,806
+HK$7,702/mo
Deposit HK$11.71M · loan HK$27.32M · min. income ≈ HK$292,208/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,658,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,199
−HK$10,046/mo
▼ 0.25% · 3.875%
HK$165,182
−HK$5,063/mo
Today · 4.125%
HK$170,245
baseline
▲ 0.50% · 4.625%
HK$180,604
+HK$10,359/mo
Deposit HK$3.90M · loan HK$35.13M · min. income ≈ HK$340,490/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,220
−HK$9,629/mo
▼ 0.25% · 3.875%
HK$183,000
−HK$4,849/mo
Today · 4.125%
HK$187,849
baseline
▲ 0.50% · 4.625%
HK$197,750
+HK$9,901/mo
Deposit HK$3.90M · loan HK$35.13M · min. income ≈ HK$375,698/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,796 · Scale 2, in force from 26 Feb 2026)