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$88,948
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,715
−HK$2,811/mo
Today · 4.125%
HK$94,526
baseline
▲ 0.50% · 4.625%
HK$100,277
+HK$5,751/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$189,052/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,954
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$101,608
−HK$2,692/mo
Today · 4.125%
HK$104,300
baseline
▲ 0.50% · 4.625%
HK$109,798
+HK$5,498/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$208,600/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,738
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$110,058
−HK$3,373/mo
Today · 4.125%
HK$113,431
baseline
▲ 0.50% · 4.625%
HK$120,333
+HK$6,902/mo
Deposit HK$15.60M · loan HK$23.40M · min. income ≈ HK$226,862/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,745
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$121,929
−HK$3,231/mo
Today · 4.125%
HK$125,160
baseline
▲ 0.50% · 4.625%
HK$131,757
+HK$6,597/mo
Deposit HK$15.60M · loan HK$23.40M · min. income ≈ HK$250,320/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,527
−HK$7,809/mo
▼ 0.25% · 3.875%
HK$128,401
−HK$3,935/mo
Today · 4.125%
HK$132,336
baseline
▲ 0.50% · 4.625%
HK$140,388
+HK$8,052/mo
Deposit HK$11.70M · loan HK$27.31M · min. income ≈ HK$264,672/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,535
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$142,251
−HK$3,769/mo
Today · 4.125%
HK$146,020
baseline
▲ 0.50% · 4.625%
HK$153,717
+HK$7,697/mo
Deposit HK$11.70M · loan HK$27.31M · min. income ≈ HK$292,040/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,106
−HK$10,040/mo
▼ 0.25% · 3.875%
HK$165,087
−HK$5,059/mo
Today · 4.125%
HK$170,146
baseline
▲ 0.50% · 4.625%
HK$180,499
+HK$10,353/mo
Deposit HK$3.90M · loan HK$35.11M · min. income ≈ HK$340,292/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,117
−HK$9,623/mo
▼ 0.25% · 3.875%
HK$182,894
−HK$4,846/mo
Today · 4.125%
HK$187,740
baseline
▲ 0.50% · 4.625%
HK$197,636
+HK$9,896/mo
Deposit HK$3.90M · loan HK$35.11M · min. income ≈ HK$375,480/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,836 · Scale 2, in force from 26 Feb 2026)