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$89,490
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$92,274
−HK$2,828/mo
Today · 4.125%
HK$95,102
baseline
▲ 0.50% · 4.625%
HK$100,889
+HK$5,787/mo
Deposit HK$19.62M · loan HK$19.62M · min. income ≈ HK$190,204/mo (50% DSR)
Upfront cash ≈ HK$21.29M (deposit + AVD stamp duty HK$1,667,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,557
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$102,227
−HK$2,709/mo
Today · 4.125%
HK$104,936
baseline
▲ 0.50% · 4.625%
HK$110,467
+HK$5,531/mo
Deposit HK$19.62M · loan HK$19.62M · min. income ≈ HK$209,872/mo (50% DSR)
Upfront cash ≈ HK$21.29M (deposit + AVD stamp duty HK$1,667,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,388
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$110,728
−HK$3,394/mo
Today · 4.125%
HK$114,122
baseline
▲ 0.50% · 4.625%
HK$121,066
+HK$6,944/mo
Deposit HK$15.70M · loan HK$23.55M · min. income ≈ HK$228,244/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,667,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,468
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$122,672
−HK$3,251/mo
Today · 4.125%
HK$125,923
baseline
▲ 0.50% · 4.625%
HK$132,560
+HK$6,637/mo
Deposit HK$15.70M · loan HK$23.55M · min. income ≈ HK$251,846/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,667,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,286
−HK$7,857/mo
▼ 0.25% · 3.875%
HK$129,183
−HK$3,960/mo
Today · 4.125%
HK$133,143
baseline
▲ 0.50% · 4.625%
HK$141,244
+HK$8,101/mo
Deposit HK$11.77M · loan HK$27.47M · min. income ≈ HK$266,286/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,667,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,380
−HK$7,530/mo
▼ 0.25% · 3.875%
HK$143,118
−HK$3,792/mo
Today · 4.125%
HK$146,910
baseline
▲ 0.50% · 4.625%
HK$154,654
+HK$7,744/mo
Deposit HK$11.77M · loan HK$27.47M · min. income ≈ HK$293,820/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,667,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,082
−HK$10,101/mo
▼ 0.25% · 3.875%
HK$166,093
−HK$5,090/mo
Today · 4.125%
HK$171,183
baseline
▲ 0.50% · 4.625%
HK$181,599
+HK$10,416/mo
Deposit HK$3.92M · loan HK$35.32M · min. income ≈ HK$342,366/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,667,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,202
−HK$9,682/mo
▼ 0.25% · 3.875%
HK$184,008
−HK$4,876/mo
Today · 4.125%
HK$188,884
baseline
▲ 0.50% · 4.625%
HK$198,840
+HK$9,956/mo
Deposit HK$3.92M · loan HK$35.32M · min. income ≈ HK$377,768/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,667,939 · Scale 2, in force from 26 Feb 2026)