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$89,140
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,913
−HK$2,817/mo
Today · 4.125%
HK$94,730
baseline
▲ 0.50% · 4.625%
HK$100,494
+HK$5,764/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$189,460/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,167
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$101,827
−HK$2,698/mo
Today · 4.125%
HK$104,525
baseline
▲ 0.50% · 4.625%
HK$110,035
+HK$5,510/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$209,050/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,968
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$110,295
−HK$3,381/mo
Today · 4.125%
HK$113,676
baseline
▲ 0.50% · 4.625%
HK$120,593
+HK$6,917/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$227,352/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,001
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$122,192
−HK$3,238/mo
Today · 4.125%
HK$125,430
baseline
▲ 0.50% · 4.625%
HK$132,041
+HK$6,611/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$250,860/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,796
−HK$7,826/mo
▼ 0.25% · 3.875%
HK$128,678
−HK$3,944/mo
Today · 4.125%
HK$132,622
baseline
▲ 0.50% · 4.625%
HK$140,691
+HK$8,069/mo
Deposit HK$11.73M · loan HK$27.36M · min. income ≈ HK$265,244/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,834
−HK$7,501/mo
▼ 0.25% · 3.875%
HK$142,558
−HK$3,777/mo
Today · 4.125%
HK$146,335
baseline
▲ 0.50% · 4.625%
HK$154,048
+HK$7,713/mo
Deposit HK$11.73M · loan HK$27.36M · min. income ≈ HK$292,670/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,452
−HK$10,061/mo
▼ 0.25% · 3.875%
HK$165,443
−HK$5,070/mo
Today · 4.125%
HK$170,513
baseline
▲ 0.50% · 4.625%
HK$180,889
+HK$10,376/mo
Deposit HK$3.91M · loan HK$35.18M · min. income ≈ HK$341,026/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,501
−HK$9,644/mo
▼ 0.25% · 3.875%
HK$183,288
−HK$4,857/mo
Today · 4.125%
HK$188,145
baseline
▲ 0.50% · 4.625%
HK$198,062
+HK$9,917/mo
Deposit HK$3.91M · loan HK$35.18M · min. income ≈ HK$376,290/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,412 · Scale 2, in force from 26 Feb 2026)