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$88,906
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$91,672
−HK$2,810/mo
Today · 4.125%
HK$94,482
baseline
▲ 0.50% · 4.625%
HK$100,231
+HK$5,749/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$188,964/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,657,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,907
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,560
−HK$2,691/mo
Today · 4.125%
HK$104,251
baseline
▲ 0.50% · 4.625%
HK$109,746
+HK$5,495/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$208,502/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,657,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,688
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$110,006
−HK$3,372/mo
Today · 4.125%
HK$113,378
baseline
▲ 0.50% · 4.625%
HK$120,277
+HK$6,899/mo
Deposit HK$15.60M · loan HK$23.39M · min. income ≈ HK$226,756/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,657,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,689
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$121,872
−HK$3,229/mo
Today · 4.125%
HK$125,101
baseline
▲ 0.50% · 4.625%
HK$131,696
+HK$6,595/mo
Deposit HK$15.60M · loan HK$23.39M · min. income ≈ HK$250,202/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,657,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,469
−HK$7,805/mo
▼ 0.25% · 3.875%
HK$128,341
−HK$3,933/mo
Today · 4.125%
HK$132,274
baseline
▲ 0.50% · 4.625%
HK$140,323
+HK$8,049/mo
Deposit HK$11.70M · loan HK$27.29M · min. income ≈ HK$264,548/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,657,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,470
−HK$7,482/mo
▼ 0.25% · 3.875%
HK$142,184
−HK$3,768/mo
Today · 4.125%
HK$145,952
baseline
▲ 0.50% · 4.625%
HK$153,645
+HK$7,693/mo
Deposit HK$11.70M · loan HK$27.29M · min. income ≈ HK$291,904/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,657,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,031
−HK$10,036/mo
▼ 0.25% · 3.875%
HK$165,009
−HK$5,058/mo
Today · 4.125%
HK$170,067
baseline
▲ 0.50% · 4.625%
HK$180,415
+HK$10,348/mo
Deposit HK$3.90M · loan HK$35.09M · min. income ≈ HK$340,134/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,033
−HK$9,619/mo
▼ 0.25% · 3.875%
HK$182,808
−HK$4,844/mo
Today · 4.125%
HK$187,652
baseline
▲ 0.50% · 4.625%
HK$197,543
+HK$9,891/mo
Deposit HK$3.90M · loan HK$35.09M · min. income ≈ HK$375,304/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,060 · Scale 2, in force from 26 Feb 2026)