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$88,928
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$91,694
−HK$2,811/mo
Today · 4.125%
HK$94,505
baseline
▲ 0.50% · 4.625%
HK$100,255
+HK$5,750/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$189,010/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,932
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$101,585
−HK$2,692/mo
Today · 4.125%
HK$104,277
baseline
▲ 0.50% · 4.625%
HK$109,773
+HK$5,496/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$208,554/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,714
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$110,033
−HK$3,373/mo
Today · 4.125%
HK$113,406
baseline
▲ 0.50% · 4.625%
HK$120,306
+HK$6,900/mo
Deposit HK$15.60M · loan HK$23.40M · min. income ≈ HK$226,812/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,718
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$121,902
−HK$3,230/mo
Today · 4.125%
HK$125,132
baseline
▲ 0.50% · 4.625%
HK$131,728
+HK$6,596/mo
Deposit HK$15.60M · loan HK$23.40M · min. income ≈ HK$250,264/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,499
−HK$7,808/mo
▼ 0.25% · 3.875%
HK$128,372
−HK$3,935/mo
Today · 4.125%
HK$132,307
baseline
▲ 0.50% · 4.625%
HK$140,357
+HK$8,050/mo
Deposit HK$11.70M · loan HK$27.30M · min. income ≈ HK$264,614/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,504
−HK$7,483/mo
▼ 0.25% · 3.875%
HK$142,219
−HK$3,768/mo
Today · 4.125%
HK$145,987
baseline
▲ 0.50% · 4.625%
HK$153,682
+HK$7,695/mo
Deposit HK$11.70M · loan HK$27.30M · min. income ≈ HK$291,974/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,071
−HK$10,037/mo
▼ 0.25% · 3.875%
HK$165,050
−HK$5,058/mo
Today · 4.125%
HK$170,108
baseline
▲ 0.50% · 4.625%
HK$180,459
+HK$10,351/mo
Deposit HK$3.90M · loan HK$35.10M · min. income ≈ HK$340,216/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,077
−HK$9,621/mo
▼ 0.25% · 3.875%
HK$182,853
−HK$4,845/mo
Today · 4.125%
HK$187,698
baseline
▲ 0.50% · 4.625%
HK$197,592
+HK$9,894/mo
Deposit HK$3.90M · loan HK$35.10M · min. income ≈ HK$375,396/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,465 · Scale 2, in force from 26 Feb 2026)