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$89,301
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$92,078
−HK$2,822/mo
Today · 4.125%
HK$94,900
baseline
▲ 0.50% · 4.625%
HK$100,675
+HK$5,775/mo
Deposit HK$19.58M · loan HK$19.58M · min. income ≈ HK$189,800/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$1,664,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,346
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$102,010
−HK$2,703/mo
Today · 4.125%
HK$104,713
baseline
▲ 0.50% · 4.625%
HK$110,233
+HK$5,520/mo
Deposit HK$19.58M · loan HK$19.58M · min. income ≈ HK$209,426/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$1,664,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,161
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$110,494
−HK$3,387/mo
Today · 4.125%
HK$113,881
baseline
▲ 0.50% · 4.625%
HK$120,810
+HK$6,929/mo
Deposit HK$15.66M · loan HK$23.50M · min. income ≈ HK$227,762/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,664,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,215
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$122,412
−HK$3,244/mo
Today · 4.125%
HK$125,656
baseline
▲ 0.50% · 4.625%
HK$132,279
+HK$6,623/mo
Deposit HK$15.66M · loan HK$23.50M · min. income ≈ HK$251,312/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,664,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,021
−HK$7,840/mo
▼ 0.25% · 3.875%
HK$128,910
−HK$3,951/mo
Today · 4.125%
HK$132,861
baseline
▲ 0.50% · 4.625%
HK$140,945
+HK$8,084/mo
Deposit HK$11.75M · loan HK$27.41M · min. income ≈ HK$265,722/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,664,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,084
−HK$7,515/mo
▼ 0.25% · 3.875%
HK$142,814
−HK$3,785/mo
Today · 4.125%
HK$146,599
baseline
▲ 0.50% · 4.625%
HK$154,326
+HK$7,727/mo
Deposit HK$11.75M · loan HK$27.41M · min. income ≈ HK$293,198/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,664,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,741
−HK$10,080/mo
▼ 0.25% · 3.875%
HK$165,741
−HK$5,080/mo
Today · 4.125%
HK$170,821
baseline
▲ 0.50% · 4.625%
HK$181,215
+HK$10,394/mo
Deposit HK$3.92M · loan HK$35.25M · min. income ≈ HK$341,642/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,823
−HK$9,661/mo
▼ 0.25% · 3.875%
HK$183,619
−HK$4,865/mo
Today · 4.125%
HK$188,484
baseline
▲ 0.50% · 4.625%
HK$198,419
+HK$9,935/mo
Deposit HK$3.92M · loan HK$35.25M · min. income ≈ HK$376,968/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,406 · Scale 2, in force from 26 Feb 2026)