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$89,202
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,977
−HK$2,819/mo
Today · 4.125%
HK$94,796
baseline
▲ 0.50% · 4.625%
HK$100,564
+HK$5,768/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$189,592/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$1,662,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,236
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$101,898
−HK$2,700/mo
Today · 4.125%
HK$104,598
baseline
▲ 0.50% · 4.625%
HK$110,111
+HK$5,513/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$209,196/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$1,662,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,042
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$110,372
−HK$3,383/mo
Today · 4.125%
HK$113,755
baseline
▲ 0.50% · 4.625%
HK$120,677
+HK$6,922/mo
Deposit HK$15.65M · loan HK$23.47M · min. income ≈ HK$227,510/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,084
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$122,277
−HK$3,240/mo
Today · 4.125%
HK$125,517
baseline
▲ 0.50% · 4.625%
HK$132,133
+HK$6,616/mo
Deposit HK$15.65M · loan HK$23.47M · min. income ≈ HK$251,034/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,883
−HK$7,831/mo
▼ 0.25% · 3.875%
HK$128,767
−HK$3,947/mo
Today · 4.125%
HK$132,714
baseline
▲ 0.50% · 4.625%
HK$140,789
+HK$8,075/mo
Deposit HK$11.74M · loan HK$27.38M · min. income ≈ HK$265,428/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,931
−HK$7,506/mo
▼ 0.25% · 3.875%
HK$142,657
−HK$3,780/mo
Today · 4.125%
HK$146,437
baseline
▲ 0.50% · 4.625%
HK$154,156
+HK$7,719/mo
Deposit HK$11.74M · loan HK$27.38M · min. income ≈ HK$292,874/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,564
−HK$10,068/mo
▼ 0.25% · 3.875%
HK$165,558
−HK$5,074/mo
Today · 4.125%
HK$170,632
baseline
▲ 0.50% · 4.625%
HK$181,015
+HK$10,383/mo
Deposit HK$3.91M · loan HK$35.21M · min. income ≈ HK$341,264/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,662,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,625
−HK$9,651/mo
▼ 0.25% · 3.875%
HK$183,416
−HK$4,860/mo
Today · 4.125%
HK$188,276
baseline
▲ 0.50% · 4.625%
HK$198,200
+HK$9,924/mo
Deposit HK$3.91M · loan HK$35.21M · min. income ≈ HK$376,552/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,662,569 · Scale 2, in force from 26 Feb 2026)