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$89,136
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,908
−HK$2,817/mo
Today · 4.125%
HK$94,725
baseline
▲ 0.50% · 4.625%
HK$100,489
+HK$5,764/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$189,450/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,163
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,822
−HK$2,698/mo
Today · 4.125%
HK$104,520
baseline
▲ 0.50% · 4.625%
HK$110,030
+HK$5,510/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$209,040/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,963
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$110,290
−HK$3,381/mo
Today · 4.125%
HK$113,671
baseline
▲ 0.50% · 4.625%
HK$120,587
+HK$6,916/mo
Deposit HK$15.64M · loan HK$23.45M · min. income ≈ HK$227,342/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,995
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$122,187
−HK$3,237/mo
Today · 4.125%
HK$125,424
baseline
▲ 0.50% · 4.625%
HK$132,036
+HK$6,612/mo
Deposit HK$15.64M · loan HK$23.45M · min. income ≈ HK$250,848/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,790
−HK$7,826/mo
▼ 0.25% · 3.875%
HK$128,672
−HK$3,944/mo
Today · 4.125%
HK$132,616
baseline
▲ 0.50% · 4.625%
HK$140,685
+HK$8,069/mo
Deposit HK$11.73M · loan HK$27.36M · min. income ≈ HK$265,232/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,828
−HK$7,500/mo
▼ 0.25% · 3.875%
HK$142,551
−HK$3,777/mo
Today · 4.125%
HK$146,328
baseline
▲ 0.50% · 4.625%
HK$154,041
+HK$7,713/mo
Deposit HK$11.73M · loan HK$27.36M · min. income ≈ HK$292,656/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,445
−HK$10,061/mo
▼ 0.25% · 3.875%
HK$165,435
−HK$5,071/mo
Today · 4.125%
HK$170,506
baseline
▲ 0.50% · 4.625%
HK$180,881
+HK$10,375/mo
Deposit HK$3.91M · loan HK$35.18M · min. income ≈ HK$341,012/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,493
−HK$9,643/mo
▼ 0.25% · 3.875%
HK$183,280
−HK$4,856/mo
Today · 4.125%
HK$188,136
baseline
▲ 0.50% · 4.625%
HK$198,053
+HK$9,917/mo
Deposit HK$3.91M · loan HK$35.18M · min. income ≈ HK$376,272/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,337 · Scale 2, in force from 26 Feb 2026)