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$89,392
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$92,172
−HK$2,826/mo
Today · 4.125%
HK$94,998
baseline
▲ 0.50% · 4.625%
HK$100,778
+HK$5,780/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$189,996/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,448
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$102,115
−HK$2,705/mo
Today · 4.125%
HK$104,820
baseline
▲ 0.50% · 4.625%
HK$110,346
+HK$5,526/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$209,640/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,270
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$110,607
−HK$3,390/mo
Today · 4.125%
HK$113,997
baseline
▲ 0.50% · 4.625%
HK$120,933
+HK$6,936/mo
Deposit HK$15.68M · loan HK$23.52M · min. income ≈ HK$227,994/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,337
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,538
−HK$3,246/mo
Today · 4.125%
HK$125,784
baseline
▲ 0.50% · 4.625%
HK$132,415
+HK$6,631/mo
Deposit HK$15.68M · loan HK$23.52M · min. income ≈ HK$251,568/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,149
−HK$7,848/mo
▼ 0.25% · 3.875%
HK$129,041
−HK$3,956/mo
Today · 4.125%
HK$132,997
baseline
▲ 0.50% · 4.625%
HK$141,089
+HK$8,092/mo
Deposit HK$11.76M · loan HK$27.44M · min. income ≈ HK$265,994/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,227
−HK$7,522/mo
▼ 0.25% · 3.875%
HK$142,961
−HK$3,788/mo
Today · 4.125%
HK$146,749
baseline
▲ 0.50% · 4.625%
HK$154,484
+HK$7,735/mo
Deposit HK$11.76M · loan HK$27.44M · min. income ≈ HK$293,498/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,905
−HK$10,091/mo
▼ 0.25% · 3.875%
HK$165,910
−HK$5,086/mo
Today · 4.125%
HK$170,996
baseline
▲ 0.50% · 4.625%
HK$181,400
+HK$10,404/mo
Deposit HK$3.92M · loan HK$35.28M · min. income ≈ HK$341,992/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,006
−HK$9,671/mo
▼ 0.25% · 3.875%
HK$183,806
−HK$4,871/mo
Today · 4.125%
HK$188,677
baseline
▲ 0.50% · 4.625%
HK$198,622
+HK$9,945/mo
Deposit HK$3.92M · loan HK$35.28M · min. income ≈ HK$377,354/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,109 · Scale 2, in force from 26 Feb 2026)