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$89,014
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$91,783
−HK$2,813/mo
Today · 4.125%
HK$94,596
baseline
▲ 0.50% · 4.625%
HK$100,352
+HK$5,756/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$189,192/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$1,659,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,028
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$101,683
−HK$2,695/mo
Today · 4.125%
HK$104,378
baseline
▲ 0.50% · 4.625%
HK$109,880
+HK$5,502/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$208,756/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$1,659,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,817
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$110,140
−HK$3,376/mo
Today · 4.125%
HK$113,516
baseline
▲ 0.50% · 4.625%
HK$120,423
+HK$6,907/mo
Deposit HK$15.61M · loan HK$23.42M · min. income ≈ HK$227,032/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,659,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,833
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$122,020
−HK$3,233/mo
Today · 4.125%
HK$125,253
baseline
▲ 0.50% · 4.625%
HK$131,856
+HK$6,603/mo
Deposit HK$15.61M · loan HK$23.42M · min. income ≈ HK$250,506/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,659,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,620
−HK$7,815/mo
▼ 0.25% · 3.875%
HK$128,496
−HK$3,939/mo
Today · 4.125%
HK$132,435
baseline
▲ 0.50% · 4.625%
HK$140,493
+HK$8,058/mo
Deposit HK$11.71M · loan HK$27.33M · min. income ≈ HK$264,870/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,639
−HK$7,490/mo
▼ 0.25% · 3.875%
HK$142,357
−HK$3,772/mo
Today · 4.125%
HK$146,129
baseline
▲ 0.50% · 4.625%
HK$153,831
+HK$7,702/mo
Deposit HK$11.71M · loan HK$27.33M · min. income ≈ HK$292,258/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,226
−HK$10,047/mo
▼ 0.25% · 3.875%
HK$165,210
−HK$5,063/mo
Today · 4.125%
HK$170,273
baseline
▲ 0.50% · 4.625%
HK$180,634
+HK$10,361/mo
Deposit HK$3.90M · loan HK$35.13M · min. income ≈ HK$340,546/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,250
−HK$9,630/mo
▼ 0.25% · 3.875%
HK$183,030
−HK$4,850/mo
Today · 4.125%
HK$187,880
baseline
▲ 0.50% · 4.625%
HK$197,783
+HK$9,903/mo
Deposit HK$3.90M · loan HK$35.13M · min. income ≈ HK$375,760/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,073 · Scale 2, in force from 26 Feb 2026)