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$88,923
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$91,689
−HK$2,810/mo
Today · 4.125%
HK$94,499
baseline
▲ 0.50% · 4.625%
HK$100,249
+HK$5,750/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$188,998/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,926
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,579
−HK$2,691/mo
Today · 4.125%
HK$104,270
baseline
▲ 0.50% · 4.625%
HK$109,766
+HK$5,496/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$208,540/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,707
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$110,026
−HK$3,373/mo
Today · 4.125%
HK$113,399
baseline
▲ 0.50% · 4.625%
HK$120,299
+HK$6,900/mo
Deposit HK$15.60M · loan HK$23.40M · min. income ≈ HK$226,798/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,711
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$121,894
−HK$3,230/mo
Today · 4.125%
HK$125,124
baseline
▲ 0.50% · 4.625%
HK$131,720
+HK$6,596/mo
Deposit HK$15.60M · loan HK$23.40M · min. income ≈ HK$250,248/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,492
−HK$7,806/mo
▼ 0.25% · 3.875%
HK$128,364
−HK$3,934/mo
Today · 4.125%
HK$132,298
baseline
▲ 0.50% · 4.625%
HK$140,348
+HK$8,050/mo
Deposit HK$11.70M · loan HK$27.30M · min. income ≈ HK$264,596/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,496
−HK$7,482/mo
▼ 0.25% · 3.875%
HK$142,210
−HK$3,768/mo
Today · 4.125%
HK$145,978
baseline
▲ 0.50% · 4.625%
HK$153,673
+HK$7,695/mo
Deposit HK$11.70M · loan HK$27.30M · min. income ≈ HK$291,956/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,061
−HK$10,037/mo
▼ 0.25% · 3.875%
HK$165,040
−HK$5,058/mo
Today · 4.125%
HK$170,098
baseline
▲ 0.50% · 4.625%
HK$180,448
+HK$10,350/mo
Deposit HK$3.90M · loan HK$35.10M · min. income ≈ HK$340,196/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,066
−HK$9,620/mo
▼ 0.25% · 3.875%
HK$182,842
−HK$4,844/mo
Today · 4.125%
HK$187,686
baseline
▲ 0.50% · 4.625%
HK$197,580
+HK$9,894/mo
Deposit HK$3.90M · loan HK$35.10M · min. income ≈ HK$375,372/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,363 · Scale 2, in force from 26 Feb 2026)