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$89,030
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,799
−HK$2,814/mo
Today · 4.125%
HK$94,613
baseline
▲ 0.50% · 4.625%
HK$100,370
+HK$5,757/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$189,226/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$1,659,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,045
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,701
−HK$2,695/mo
Today · 4.125%
HK$104,396
baseline
▲ 0.50% · 4.625%
HK$109,899
+HK$5,503/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$208,792/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$1,659,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,836
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$110,159
−HK$3,377/mo
Today · 4.125%
HK$113,536
baseline
▲ 0.50% · 4.625%
HK$120,444
+HK$6,908/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$227,072/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,854
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$122,042
−HK$3,233/mo
Today · 4.125%
HK$125,275
baseline
▲ 0.50% · 4.625%
HK$131,879
+HK$6,604/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$250,550/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,642
−HK$7,816/mo
▼ 0.25% · 3.875%
HK$128,519
−HK$3,939/mo
Today · 4.125%
HK$132,458
baseline
▲ 0.50% · 4.625%
HK$140,518
+HK$8,060/mo
Deposit HK$11.71M · loan HK$27.33M · min. income ≈ HK$264,916/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,663
−HK$7,492/mo
▼ 0.25% · 3.875%
HK$142,382
−HK$3,773/mo
Today · 4.125%
HK$146,155
baseline
▲ 0.50% · 4.625%
HK$153,859
+HK$7,704/mo
Deposit HK$11.71M · loan HK$27.33M · min. income ≈ HK$292,310/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,254
−HK$10,049/mo
▼ 0.25% · 3.875%
HK$165,239
−HK$5,064/mo
Today · 4.125%
HK$170,303
baseline
▲ 0.50% · 4.625%
HK$180,666
+HK$10,363/mo
Deposit HK$3.90M · loan HK$35.14M · min. income ≈ HK$340,606/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,281
−HK$9,632/mo
▼ 0.25% · 3.875%
HK$183,062
−HK$4,851/mo
Today · 4.125%
HK$187,913
baseline
▲ 0.50% · 4.625%
HK$197,818
+HK$9,905/mo
Deposit HK$3.90M · loan HK$35.14M · min. income ≈ HK$375,826/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,365 · Scale 2, in force from 26 Feb 2026)