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$89,250
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$92,026
−HK$2,821/mo
Today · 4.125%
HK$94,847
baseline
▲ 0.50% · 4.625%
HK$100,618
+HK$5,771/mo
Deposit HK$19.57M · loan HK$19.57M · min. income ≈ HK$189,694/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,663,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,290
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$101,953
−HK$2,701/mo
Today · 4.125%
HK$104,654
baseline
▲ 0.50% · 4.625%
HK$110,171
+HK$5,517/mo
Deposit HK$19.57M · loan HK$19.57M · min. income ≈ HK$209,308/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,663,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,100
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$110,432
−HK$3,384/mo
Today · 4.125%
HK$113,816
baseline
▲ 0.50% · 4.625%
HK$120,742
+HK$6,926/mo
Deposit HK$15.66M · loan HK$23.48M · min. income ≈ HK$227,632/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,663,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,148
−HK$6,437/mo
▼ 0.25% · 3.875%
HK$122,344
−HK$3,241/mo
Today · 4.125%
HK$125,585
baseline
▲ 0.50% · 4.625%
HK$132,205
+HK$6,620/mo
Deposit HK$15.66M · loan HK$23.48M · min. income ≈ HK$251,170/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,663,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,950
−HK$7,836/mo
▼ 0.25% · 3.875%
HK$128,837
−HK$3,949/mo
Today · 4.125%
HK$132,786
baseline
▲ 0.50% · 4.625%
HK$140,866
+HK$8,080/mo
Deposit HK$11.74M · loan HK$27.40M · min. income ≈ HK$265,572/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,663,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,006
−HK$7,510/mo
▼ 0.25% · 3.875%
HK$142,734
−HK$3,782/mo
Today · 4.125%
HK$146,516
baseline
▲ 0.50% · 4.625%
HK$154,239
+HK$7,723/mo
Deposit HK$11.74M · loan HK$27.40M · min. income ≈ HK$293,032/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,663,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,650
−HK$10,075/mo
▼ 0.25% · 3.875%
HK$165,648
−HK$5,077/mo
Today · 4.125%
HK$170,725
baseline
▲ 0.50% · 4.625%
HK$181,113
+HK$10,388/mo
Deposit HK$3.91M · loan HK$35.23M · min. income ≈ HK$341,450/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,722
−HK$9,656/mo
▼ 0.25% · 3.875%
HK$183,515
−HK$4,863/mo
Today · 4.125%
HK$188,378
baseline
▲ 0.50% · 4.625%
HK$198,308
+HK$9,930/mo
Deposit HK$3.91M · loan HK$35.23M · min. income ≈ HK$376,756/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,470 · Scale 2, in force from 26 Feb 2026)