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$89,362
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$92,142
−HK$2,824/mo
Today · 4.125%
HK$94,966
baseline
▲ 0.50% · 4.625%
HK$100,744
+HK$5,778/mo
Deposit HK$19.59M · loan HK$19.59M · min. income ≈ HK$189,932/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$1,665,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,415
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$102,081
−HK$2,705/mo
Today · 4.125%
HK$104,786
baseline
▲ 0.50% · 4.625%
HK$110,309
+HK$5,523/mo
Deposit HK$19.59M · loan HK$19.59M · min. income ≈ HK$209,572/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$1,665,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,235
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$110,570
−HK$3,389/mo
Today · 4.125%
HK$113,959
baseline
▲ 0.50% · 4.625%
HK$120,893
+HK$6,934/mo
Deposit HK$15.68M · loan HK$23.51M · min. income ≈ HK$227,918/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,665,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,298
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$122,497
−HK$3,246/mo
Today · 4.125%
HK$125,743
baseline
▲ 0.50% · 4.625%
HK$132,371
+HK$6,628/mo
Deposit HK$15.68M · loan HK$23.51M · min. income ≈ HK$251,486/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,665,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,107
−HK$7,845/mo
▼ 0.25% · 3.875%
HK$128,999
−HK$3,953/mo
Today · 4.125%
HK$132,952
baseline
▲ 0.50% · 4.625%
HK$141,042
+HK$8,090/mo
Deposit HK$11.76M · loan HK$27.43M · min. income ≈ HK$265,904/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,665,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,180
−HK$7,520/mo
▼ 0.25% · 3.875%
HK$142,913
−HK$3,787/mo
Today · 4.125%
HK$146,700
baseline
▲ 0.50% · 4.625%
HK$154,433
+HK$7,733/mo
Deposit HK$11.76M · loan HK$27.43M · min. income ≈ HK$293,400/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,665,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,852
−HK$10,087/mo
▼ 0.25% · 3.875%
HK$165,855
−HK$5,084/mo
Today · 4.125%
HK$170,939
baseline
▲ 0.50% · 4.625%
HK$181,340
+HK$10,401/mo
Deposit HK$3.92M · loan HK$35.27M · min. income ≈ HK$341,878/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,665,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,946
−HK$9,668/mo
▼ 0.25% · 3.875%
HK$183,745
−HK$4,869/mo
Today · 4.125%
HK$188,614
baseline
▲ 0.50% · 4.625%
HK$198,556
+HK$9,942/mo
Deposit HK$3.92M · loan HK$35.27M · min. income ≈ HK$377,228/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,665,557 · Scale 2, in force from 26 Feb 2026)