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$89,217
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,992
−HK$2,819/mo
Today · 4.125%
HK$94,811
baseline
▲ 0.50% · 4.625%
HK$100,580
+HK$5,769/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$189,622/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,662,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,253
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$101,914
−HK$2,701/mo
Today · 4.125%
HK$104,615
baseline
▲ 0.50% · 4.625%
HK$110,129
+HK$5,514/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$209,230/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,662,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,060
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$110,390
−HK$3,384/mo
Today · 4.125%
HK$113,774
baseline
▲ 0.50% · 4.625%
HK$120,696
+HK$6,922/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$227,548/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,103
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$122,297
−HK$3,241/mo
Today · 4.125%
HK$125,538
baseline
▲ 0.50% · 4.625%
HK$132,155
+HK$6,617/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$251,076/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,903
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$128,788
−HK$3,948/mo
Today · 4.125%
HK$132,736
baseline
▲ 0.50% · 4.625%
HK$140,812
+HK$8,076/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$265,472/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,954
−HK$7,507/mo
▼ 0.25% · 3.875%
HK$142,680
−HK$3,781/mo
Today · 4.125%
HK$146,461
baseline
▲ 0.50% · 4.625%
HK$154,181
+HK$7,720/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$292,922/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,590
−HK$10,070/mo
▼ 0.25% · 3.875%
HK$165,585
−HK$5,075/mo
Today · 4.125%
HK$170,660
baseline
▲ 0.50% · 4.625%
HK$181,045
+HK$10,385/mo
Deposit HK$3.91M · loan HK$35.21M · min. income ≈ HK$341,320/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,662,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,655
−HK$9,652/mo
▼ 0.25% · 3.875%
HK$183,446
−HK$4,861/mo
Today · 4.125%
HK$188,307
baseline
▲ 0.50% · 4.625%
HK$198,233
+HK$9,926/mo
Deposit HK$3.91M · loan HK$35.21M · min. income ≈ HK$376,614/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,662,842 · Scale 2, in force from 26 Feb 2026)