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$88,907
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$91,673
−HK$2,810/mo
Today · 4.125%
HK$94,483
baseline
▲ 0.50% · 4.625%
HK$100,232
+HK$5,749/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$188,966/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,657,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,908
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,561
−HK$2,691/mo
Today · 4.125%
HK$104,252
baseline
▲ 0.50% · 4.625%
HK$109,747
+HK$5,495/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$208,504/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,657,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,689
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$110,007
−HK$3,372/mo
Today · 4.125%
HK$113,379
baseline
▲ 0.50% · 4.625%
HK$120,278
+HK$6,899/mo
Deposit HK$15.60M · loan HK$23.39M · min. income ≈ HK$226,758/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,657,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,690
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$121,873
−HK$3,230/mo
Today · 4.125%
HK$125,103
baseline
▲ 0.50% · 4.625%
HK$131,697
+HK$6,594/mo
Deposit HK$15.60M · loan HK$23.39M · min. income ≈ HK$250,206/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,657,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,470
−HK$7,806/mo
▼ 0.25% · 3.875%
HK$128,342
−HK$3,934/mo
Today · 4.125%
HK$132,276
baseline
▲ 0.50% · 4.625%
HK$140,324
+HK$8,048/mo
Deposit HK$11.70M · loan HK$27.29M · min. income ≈ HK$264,552/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,657,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,472
−HK$7,481/mo
▼ 0.25% · 3.875%
HK$142,186
−HK$3,767/mo
Today · 4.125%
HK$145,953
baseline
▲ 0.50% · 4.625%
HK$153,646
+HK$7,693/mo
Deposit HK$11.70M · loan HK$27.29M · min. income ≈ HK$291,906/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,657,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,033
−HK$10,036/mo
▼ 0.25% · 3.875%
HK$165,011
−HK$5,058/mo
Today · 4.125%
HK$170,069
baseline
▲ 0.50% · 4.625%
HK$180,417
+HK$10,348/mo
Deposit HK$3.90M · loan HK$35.09M · min. income ≈ HK$340,138/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,035
−HK$9,619/mo
▼ 0.25% · 3.875%
HK$182,810
−HK$4,844/mo
Today · 4.125%
HK$187,654
baseline
▲ 0.50% · 4.625%
HK$197,545
+HK$9,891/mo
Deposit HK$3.90M · loan HK$35.09M · min. income ≈ HK$375,308/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,077 · Scale 2, in force from 26 Feb 2026)