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$89,076
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,847
−HK$2,815/mo
Today · 4.125%
HK$94,662
baseline
▲ 0.50% · 4.625%
HK$100,422
+HK$5,760/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$189,324/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,660,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,096
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,754
−HK$2,696/mo
Today · 4.125%
HK$104,450
baseline
▲ 0.50% · 4.625%
HK$109,956
+HK$5,506/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$208,900/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,660,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,891
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$110,216
−HK$3,378/mo
Today · 4.125%
HK$113,594
baseline
▲ 0.50% · 4.625%
HK$120,506
+HK$6,912/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$227,188/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,915
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$122,104
−HK$3,236/mo
Today · 4.125%
HK$125,340
baseline
▲ 0.50% · 4.625%
HK$131,947
+HK$6,607/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$250,680/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,706
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$128,585
−HK$3,941/mo
Today · 4.125%
HK$132,526
baseline
▲ 0.50% · 4.625%
HK$140,590
+HK$8,064/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$265,052/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,734
−HK$7,496/mo
▼ 0.25% · 3.875%
HK$142,455
−HK$3,775/mo
Today · 4.125%
HK$146,230
baseline
▲ 0.50% · 4.625%
HK$153,938
+HK$7,708/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$292,460/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,337
−HK$10,054/mo
▼ 0.25% · 3.875%
HK$165,324
−HK$5,067/mo
Today · 4.125%
HK$170,391
baseline
▲ 0.50% · 4.625%
HK$180,759
+HK$10,368/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$340,782/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,373
−HK$9,637/mo
▼ 0.25% · 3.875%
HK$183,157
−HK$4,853/mo
Today · 4.125%
HK$188,010
baseline
▲ 0.50% · 4.625%
HK$197,920
+HK$9,910/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$376,020/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,220 · Scale 2, in force from 26 Feb 2026)