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$88,980
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,748
−HK$2,812/mo
Today · 4.125%
HK$94,560
baseline
▲ 0.50% · 4.625%
HK$100,314
+HK$5,754/mo
Deposit HK$19.51M · loan HK$19.51M · min. income ≈ HK$189,120/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,990
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,645
−HK$2,693/mo
Today · 4.125%
HK$104,338
baseline
▲ 0.50% · 4.625%
HK$109,838
+HK$5,500/mo
Deposit HK$19.51M · loan HK$19.51M · min. income ≈ HK$208,676/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,776
−HK$6,696/mo
▼ 0.25% · 3.875%
HK$110,098
−HK$3,374/mo
Today · 4.125%
HK$113,472
baseline
▲ 0.50% · 4.625%
HK$120,377
+HK$6,905/mo
Deposit HK$15.61M · loan HK$23.41M · min. income ≈ HK$226,944/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,658,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,788
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$121,974
−HK$3,231/mo
Today · 4.125%
HK$125,205
baseline
▲ 0.50% · 4.625%
HK$131,805
+HK$6,600/mo
Deposit HK$15.61M · loan HK$23.41M · min. income ≈ HK$250,410/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,658,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,573
−HK$7,811/mo
▼ 0.25% · 3.875%
HK$128,447
−HK$3,937/mo
Today · 4.125%
HK$132,384
baseline
▲ 0.50% · 4.625%
HK$140,440
+HK$8,056/mo
Deposit HK$11.71M · loan HK$27.32M · min. income ≈ HK$264,768/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,658,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,586
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$142,302
−HK$3,771/mo
Today · 4.125%
HK$146,073
baseline
▲ 0.50% · 4.625%
HK$153,773
+HK$7,700/mo
Deposit HK$11.71M · loan HK$27.32M · min. income ≈ HK$292,146/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,658,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,165
−HK$10,043/mo
▼ 0.25% · 3.875%
HK$165,147
−HK$5,061/mo
Today · 4.125%
HK$170,208
baseline
▲ 0.50% · 4.625%
HK$180,565
+HK$10,357/mo
Deposit HK$3.90M · loan HK$35.12M · min. income ≈ HK$340,416/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,182
−HK$9,626/mo
▼ 0.25% · 3.875%
HK$182,960
−HK$4,848/mo
Today · 4.125%
HK$187,808
baseline
▲ 0.50% · 4.625%
HK$197,708
+HK$9,900/mo
Deposit HK$3.90M · loan HK$35.12M · min. income ≈ HK$375,616/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,439 · Scale 2, in force from 26 Feb 2026)