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$89,152
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,925
−HK$2,818/mo
Today · 4.125%
HK$94,743
baseline
▲ 0.50% · 4.625%
HK$100,508
+HK$5,765/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$189,486/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,181
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$101,841
−HK$2,698/mo
Today · 4.125%
HK$104,539
baseline
▲ 0.50% · 4.625%
HK$110,050
+HK$5,511/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$209,078/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,983
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$110,311
−HK$3,381/mo
Today · 4.125%
HK$113,692
baseline
▲ 0.50% · 4.625%
HK$120,609
+HK$6,917/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$227,384/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,017
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$122,209
−HK$3,238/mo
Today · 4.125%
HK$125,447
baseline
▲ 0.50% · 4.625%
HK$132,060
+HK$6,613/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$250,894/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,813
−HK$7,827/mo
▼ 0.25% · 3.875%
HK$128,696
−HK$3,944/mo
Today · 4.125%
HK$132,640
baseline
▲ 0.50% · 4.625%
HK$140,711
+HK$8,071/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$265,280/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,853
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$142,577
−HK$3,778/mo
Today · 4.125%
HK$146,355
baseline
▲ 0.50% · 4.625%
HK$154,070
+HK$7,715/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$292,710/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,474
−HK$10,063/mo
▼ 0.25% · 3.875%
HK$165,466
−HK$5,071/mo
Today · 4.125%
HK$170,537
baseline
▲ 0.50% · 4.625%
HK$180,914
+HK$10,377/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$341,074/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,526
−HK$9,645/mo
▼ 0.25% · 3.875%
HK$183,314
−HK$4,857/mo
Today · 4.125%
HK$188,171
baseline
▲ 0.50% · 4.625%
HK$198,090
+HK$9,919/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$376,342/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,644 · Scale 2, in force from 26 Feb 2026)