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$89,371
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$92,151
−HK$2,824/mo
Today · 4.125%
HK$94,975
baseline
▲ 0.50% · 4.625%
HK$100,754
+HK$5,779/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$189,950/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$1,665,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,424
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$102,090
−HK$2,706/mo
Today · 4.125%
HK$104,796
baseline
▲ 0.50% · 4.625%
HK$110,319
+HK$5,523/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$209,592/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$1,665,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,245
−HK$6,725/mo
▼ 0.25% · 3.875%
HK$110,581
−HK$3,389/mo
Today · 4.125%
HK$113,970
baseline
▲ 0.50% · 4.625%
HK$120,905
+HK$6,935/mo
Deposit HK$15.68M · loan HK$23.52M · min. income ≈ HK$227,940/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,665,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,309
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$122,509
−HK$3,246/mo
Today · 4.125%
HK$125,755
baseline
▲ 0.50% · 4.625%
HK$132,383
+HK$6,628/mo
Deposit HK$15.68M · loan HK$23.52M · min. income ≈ HK$251,510/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,665,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,119
−HK$7,846/mo
▼ 0.25% · 3.875%
HK$129,011
−HK$3,954/mo
Today · 4.125%
HK$132,965
baseline
▲ 0.50% · 4.625%
HK$141,056
+HK$8,091/mo
Deposit HK$11.76M · loan HK$27.44M · min. income ≈ HK$265,930/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,665,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,194
−HK$7,520/mo
▼ 0.25% · 3.875%
HK$142,927
−HK$3,787/mo
Today · 4.125%
HK$146,714
baseline
▲ 0.50% · 4.625%
HK$154,447
+HK$7,733/mo
Deposit HK$11.76M · loan HK$27.44M · min. income ≈ HK$293,428/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,665,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,867
−HK$10,088/mo
▼ 0.25% · 3.875%
HK$165,871
−HK$5,084/mo
Today · 4.125%
HK$170,955
baseline
▲ 0.50% · 4.625%
HK$181,357
+HK$10,402/mo
Deposit HK$3.92M · loan HK$35.27M · min. income ≈ HK$341,910/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,665,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,963
−HK$9,669/mo
▼ 0.25% · 3.875%
HK$183,763
−HK$4,869/mo
Today · 4.125%
HK$188,632
baseline
▲ 0.50% · 4.625%
HK$198,575
+HK$9,943/mo
Deposit HK$3.92M · loan HK$35.27M · min. income ≈ HK$377,264/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,665,714 · Scale 2, in force from 26 Feb 2026)