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$89,434
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$92,216
−HK$2,826/mo
Today · 4.125%
HK$95,042
baseline
▲ 0.50% · 4.625%
HK$100,825
+HK$5,783/mo
Deposit HK$19.61M · loan HK$19.61M · min. income ≈ HK$190,084/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$1,666,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,494
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$102,163
−HK$2,707/mo
Today · 4.125%
HK$104,870
baseline
▲ 0.50% · 4.625%
HK$110,398
+HK$5,528/mo
Deposit HK$19.61M · loan HK$19.61M · min. income ≈ HK$209,740/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$1,666,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,321
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$110,659
−HK$3,392/mo
Today · 4.125%
HK$114,051
baseline
▲ 0.50% · 4.625%
HK$120,990
+HK$6,939/mo
Deposit HK$15.69M · loan HK$23.53M · min. income ≈ HK$228,102/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,666,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,393
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,595
−HK$3,249/mo
Today · 4.125%
HK$125,844
baseline
▲ 0.50% · 4.625%
HK$132,477
+HK$6,633/mo
Deposit HK$15.69M · loan HK$23.53M · min. income ≈ HK$251,688/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,666,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,207
−HK$7,852/mo
▼ 0.25% · 3.875%
HK$129,102
−HK$3,957/mo
Today · 4.125%
HK$133,059
baseline
▲ 0.50% · 4.625%
HK$141,155
+HK$8,096/mo
Deposit HK$11.77M · loan HK$27.45M · min. income ≈ HK$266,118/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,292
−HK$7,526/mo
▼ 0.25% · 3.875%
HK$143,028
−HK$3,790/mo
Today · 4.125%
HK$146,818
baseline
▲ 0.50% · 4.625%
HK$154,557
+HK$7,739/mo
Deposit HK$11.77M · loan HK$27.45M · min. income ≈ HK$293,636/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,981
−HK$10,095/mo
▼ 0.25% · 3.875%
HK$165,988
−HK$5,088/mo
Today · 4.125%
HK$171,076
baseline
▲ 0.50% · 4.625%
HK$181,485
+HK$10,409/mo
Deposit HK$3.92M · loan HK$35.30M · min. income ≈ HK$342,152/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,090
−HK$9,675/mo
▼ 0.25% · 3.875%
HK$183,893
−HK$4,872/mo
Today · 4.125%
HK$188,765
baseline
▲ 0.50% · 4.625%
HK$198,716
+HK$9,951/mo
Deposit HK$3.92M · loan HK$35.30M · min. income ≈ HK$377,530/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,892 · Scale 2, in force from 26 Feb 2026)