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$89,072
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,842
−HK$2,815/mo
Today · 4.125%
HK$94,657
baseline
▲ 0.50% · 4.625%
HK$100,417
+HK$5,760/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$189,314/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,660,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,091
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,749
−HK$2,696/mo
Today · 4.125%
HK$104,445
baseline
▲ 0.50% · 4.625%
HK$109,950
+HK$5,505/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$208,890/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,660,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,886
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$110,211
−HK$3,378/mo
Today · 4.125%
HK$113,589
baseline
▲ 0.50% · 4.625%
HK$120,500
+HK$6,911/mo
Deposit HK$15.62M · loan HK$23.44M · min. income ≈ HK$227,178/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,660,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,909
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$122,099
−HK$3,235/mo
Today · 4.125%
HK$125,334
baseline
▲ 0.50% · 4.625%
HK$131,940
+HK$6,606/mo
Deposit HK$15.62M · loan HK$23.44M · min. income ≈ HK$250,668/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,660,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,700
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$128,579
−HK$3,941/mo
Today · 4.125%
HK$132,520
baseline
▲ 0.50% · 4.625%
HK$140,584
+HK$8,064/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$265,040/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,728
−HK$7,495/mo
▼ 0.25% · 3.875%
HK$142,448
−HK$3,775/mo
Today · 4.125%
HK$146,223
baseline
▲ 0.50% · 4.625%
HK$153,930
+HK$7,707/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$292,446/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,329
−HK$10,054/mo
▼ 0.25% · 3.875%
HK$165,316
−HK$5,067/mo
Today · 4.125%
HK$170,383
baseline
▲ 0.50% · 4.625%
HK$180,750
+HK$10,367/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$340,766/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,364
−HK$9,637/mo
▼ 0.25% · 3.875%
HK$183,148
−HK$4,853/mo
Today · 4.125%
HK$188,001
baseline
▲ 0.50% · 4.625%
HK$197,910
+HK$9,909/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$376,002/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,139 · Scale 2, in force from 26 Feb 2026)