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$89,365
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$92,145
−HK$2,824/mo
Today · 4.125%
HK$94,969
baseline
▲ 0.50% · 4.625%
HK$100,747
+HK$5,778/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$189,938/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$1,665,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,418
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$102,084
−HK$2,705/mo
Today · 4.125%
HK$104,789
baseline
▲ 0.50% · 4.625%
HK$110,312
+HK$5,523/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$209,578/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$1,665,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,238
−HK$6,725/mo
▼ 0.25% · 3.875%
HK$110,574
−HK$3,389/mo
Today · 4.125%
HK$113,963
baseline
▲ 0.50% · 4.625%
HK$120,897
+HK$6,934/mo
Deposit HK$15.68M · loan HK$23.51M · min. income ≈ HK$227,926/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,665,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,301
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$122,501
−HK$3,246/mo
Today · 4.125%
HK$125,747
baseline
▲ 0.50% · 4.625%
HK$132,375
+HK$6,628/mo
Deposit HK$15.68M · loan HK$23.51M · min. income ≈ HK$251,494/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,665,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,111
−HK$7,845/mo
▼ 0.25% · 3.875%
HK$129,003
−HK$3,953/mo
Today · 4.125%
HK$132,956
baseline
▲ 0.50% · 4.625%
HK$141,046
+HK$8,090/mo
Deposit HK$11.76M · loan HK$27.43M · min. income ≈ HK$265,912/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,665,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,185
−HK$7,519/mo
▼ 0.25% · 3.875%
HK$142,917
−HK$3,787/mo
Today · 4.125%
HK$146,704
baseline
▲ 0.50% · 4.625%
HK$154,437
+HK$7,733/mo
Deposit HK$11.76M · loan HK$27.43M · min. income ≈ HK$293,408/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,665,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,857
−HK$10,087/mo
▼ 0.25% · 3.875%
HK$165,860
−HK$5,084/mo
Today · 4.125%
HK$170,944
baseline
▲ 0.50% · 4.625%
HK$181,345
+HK$10,401/mo
Deposit HK$3.92M · loan HK$35.27M · min. income ≈ HK$341,888/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,665,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,952
−HK$9,668/mo
▼ 0.25% · 3.875%
HK$183,751
−HK$4,869/mo
Today · 4.125%
HK$188,620
baseline
▲ 0.50% · 4.625%
HK$198,562
+HK$9,942/mo
Deposit HK$3.92M · loan HK$35.27M · min. income ≈ HK$377,240/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,665,606 · Scale 2, in force from 26 Feb 2026)