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$88,969
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,737
−HK$2,812/mo
Today · 4.125%
HK$94,549
baseline
▲ 0.50% · 4.625%
HK$100,302
+HK$5,753/mo
Deposit HK$19.51M · loan HK$19.51M · min. income ≈ HK$189,098/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,978
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,632
−HK$2,693/mo
Today · 4.125%
HK$104,325
baseline
▲ 0.50% · 4.625%
HK$109,824
+HK$5,499/mo
Deposit HK$19.51M · loan HK$19.51M · min. income ≈ HK$208,650/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,763
−HK$6,695/mo
▼ 0.25% · 3.875%
HK$110,084
−HK$3,374/mo
Today · 4.125%
HK$113,458
baseline
▲ 0.50% · 4.625%
HK$120,362
+HK$6,904/mo
Deposit HK$15.61M · loan HK$23.41M · min. income ≈ HK$226,916/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,658,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,773
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$121,959
−HK$3,231/mo
Today · 4.125%
HK$125,190
baseline
▲ 0.50% · 4.625%
HK$131,789
+HK$6,599/mo
Deposit HK$15.61M · loan HK$23.41M · min. income ≈ HK$250,380/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,658,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,557
−HK$7,811/mo
▼ 0.25% · 3.875%
HK$128,432
−HK$3,936/mo
Today · 4.125%
HK$132,368
baseline
▲ 0.50% · 4.625%
HK$140,422
+HK$8,054/mo
Deposit HK$11.71M · loan HK$27.31M · min. income ≈ HK$264,736/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,658,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,569
−HK$7,486/mo
▼ 0.25% · 3.875%
HK$142,285
−HK$3,770/mo
Today · 4.125%
HK$146,055
baseline
▲ 0.50% · 4.625%
HK$153,754
+HK$7,699/mo
Deposit HK$11.71M · loan HK$27.31M · min. income ≈ HK$292,110/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,658,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,145
−HK$10,042/mo
▼ 0.25% · 3.875%
HK$165,126
−HK$5,061/mo
Today · 4.125%
HK$170,187
baseline
▲ 0.50% · 4.625%
HK$180,543
+HK$10,356/mo
Deposit HK$3.90M · loan HK$35.12M · min. income ≈ HK$340,374/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,160
−HK$9,625/mo
▼ 0.25% · 3.875%
HK$182,938
−HK$4,847/mo
Today · 4.125%
HK$187,785
baseline
▲ 0.50% · 4.625%
HK$197,683
+HK$9,898/mo
Deposit HK$3.90M · loan HK$35.12M · min. income ≈ HK$375,570/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,235 · Scale 2, in force from 26 Feb 2026)