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$89,096
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$91,867
−HK$2,816/mo
Today · 4.125%
HK$94,683
baseline
▲ 0.50% · 4.625%
HK$100,444
+HK$5,761/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$189,366/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,118
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,777
−HK$2,696/mo
Today · 4.125%
HK$104,473
baseline
▲ 0.50% · 4.625%
HK$109,980
+HK$5,507/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$208,946/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,915
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$110,241
−HK$3,379/mo
Today · 4.125%
HK$113,620
baseline
▲ 0.50% · 4.625%
HK$120,533
+HK$6,913/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$227,240/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,942
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$122,132
−HK$3,236/mo
Today · 4.125%
HK$125,368
baseline
▲ 0.50% · 4.625%
HK$131,976
+HK$6,608/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$250,736/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,734
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$128,614
−HK$3,942/mo
Today · 4.125%
HK$132,556
baseline
▲ 0.50% · 4.625%
HK$140,622
+HK$8,066/mo
Deposit HK$11.72M · loan HK$27.35M · min. income ≈ HK$265,112/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,766
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$142,487
−HK$3,776/mo
Today · 4.125%
HK$146,263
baseline
▲ 0.50% · 4.625%
HK$153,973
+HK$7,710/mo
Deposit HK$11.72M · loan HK$27.35M · min. income ≈ HK$292,526/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,373
−HK$10,057/mo
▼ 0.25% · 3.875%
HK$165,361
−HK$5,069/mo
Today · 4.125%
HK$170,430
baseline
▲ 0.50% · 4.625%
HK$180,800
+HK$10,370/mo
Deposit HK$3.91M · loan HK$35.17M · min. income ≈ HK$340,860/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,413
−HK$9,639/mo
▼ 0.25% · 3.875%
HK$183,198
−HK$4,854/mo
Today · 4.125%
HK$188,052
baseline
▲ 0.50% · 4.625%
HK$197,965
+HK$9,913/mo
Deposit HK$3.91M · loan HK$35.17M · min. income ≈ HK$376,104/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,594 · Scale 2, in force from 26 Feb 2026)