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$88,916
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$91,682
−HK$2,810/mo
Today · 4.125%
HK$94,492
baseline
▲ 0.50% · 4.625%
HK$100,242
+HK$5,750/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$188,984/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,657,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,919
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,572
−HK$2,691/mo
Today · 4.125%
HK$104,263
baseline
▲ 0.50% · 4.625%
HK$109,759
+HK$5,496/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$208,526/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,657,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,700
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$110,019
−HK$3,372/mo
Today · 4.125%
HK$113,391
baseline
▲ 0.50% · 4.625%
HK$120,290
+HK$6,899/mo
Deposit HK$15.60M · loan HK$23.40M · min. income ≈ HK$226,782/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,657,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,702
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$121,886
−HK$3,229/mo
Today · 4.125%
HK$125,115
baseline
▲ 0.50% · 4.625%
HK$131,710
+HK$6,595/mo
Deposit HK$15.60M · loan HK$23.40M · min. income ≈ HK$250,230/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,657,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,483
−HK$7,806/mo
▼ 0.25% · 3.875%
HK$128,355
−HK$3,934/mo
Today · 4.125%
HK$132,289
baseline
▲ 0.50% · 4.625%
HK$140,339
+HK$8,050/mo
Deposit HK$11.70M · loan HK$27.30M · min. income ≈ HK$264,578/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,486
−HK$7,482/mo
▼ 0.25% · 3.875%
HK$142,200
−HK$3,768/mo
Today · 4.125%
HK$145,968
baseline
▲ 0.50% · 4.625%
HK$153,662
+HK$7,694/mo
Deposit HK$11.70M · loan HK$27.30M · min. income ≈ HK$291,936/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,049
−HK$10,037/mo
▼ 0.25% · 3.875%
HK$165,028
−HK$5,058/mo
Today · 4.125%
HK$170,086
baseline
▲ 0.50% · 4.625%
HK$180,435
+HK$10,349/mo
Deposit HK$3.90M · loan HK$35.09M · min. income ≈ HK$340,172/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,053
−HK$9,620/mo
▼ 0.25% · 3.875%
HK$182,829
−HK$4,844/mo
Today · 4.125%
HK$187,673
baseline
▲ 0.50% · 4.625%
HK$197,566
+HK$9,893/mo
Deposit HK$3.90M · loan HK$35.09M · min. income ≈ HK$375,346/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,246 · Scale 2, in force from 26 Feb 2026)