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$89,161
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,934
−HK$2,818/mo
Today · 4.125%
HK$94,752
baseline
▲ 0.50% · 4.625%
HK$100,517
+HK$5,765/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$189,504/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,190
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,851
−HK$2,698/mo
Today · 4.125%
HK$104,549
baseline
▲ 0.50% · 4.625%
HK$110,060
+HK$5,511/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$209,098/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,993
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$110,321
−HK$3,381/mo
Today · 4.125%
HK$113,702
baseline
▲ 0.50% · 4.625%
HK$120,621
+HK$6,919/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$227,404/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,029
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$122,221
−HK$3,238/mo
Today · 4.125%
HK$125,459
baseline
▲ 0.50% · 4.625%
HK$132,072
+HK$6,613/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$250,918/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,825
−HK$7,828/mo
▼ 0.25% · 3.875%
HK$128,708
−HK$3,945/mo
Today · 4.125%
HK$132,653
baseline
▲ 0.50% · 4.625%
HK$140,724
+HK$8,071/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$265,306/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,867
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$142,591
−HK$3,778/mo
Today · 4.125%
HK$146,369
baseline
▲ 0.50% · 4.625%
HK$154,085
+HK$7,716/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$292,738/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,489
−HK$10,065/mo
▼ 0.25% · 3.875%
HK$165,482
−HK$5,072/mo
Today · 4.125%
HK$170,554
baseline
▲ 0.50% · 4.625%
HK$180,931
+HK$10,377/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$341,108/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,543
−HK$9,646/mo
▼ 0.25% · 3.875%
HK$183,331
−HK$4,858/mo
Today · 4.125%
HK$188,189
baseline
▲ 0.50% · 4.625%
HK$198,109
+HK$9,920/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$376,378/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,802 · Scale 2, in force from 26 Feb 2026)