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$89,123
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,895
−HK$2,817/mo
Today · 4.125%
HK$94,712
baseline
▲ 0.50% · 4.625%
HK$100,475
+HK$5,763/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$189,424/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,661,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,149
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$101,808
−HK$2,697/mo
Today · 4.125%
HK$104,505
baseline
▲ 0.50% · 4.625%
HK$110,014
+HK$5,509/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$209,010/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,661,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,948
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$110,274
−HK$3,380/mo
Today · 4.125%
HK$113,654
baseline
▲ 0.50% · 4.625%
HK$120,570
+HK$6,916/mo
Deposit HK$15.63M · loan HK$23.45M · min. income ≈ HK$227,308/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,661,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,978
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$122,169
−HK$3,237/mo
Today · 4.125%
HK$125,406
baseline
▲ 0.50% · 4.625%
HK$132,017
+HK$6,611/mo
Deposit HK$15.63M · loan HK$23.45M · min. income ≈ HK$250,812/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,661,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,772
−HK$7,825/mo
▼ 0.25% · 3.875%
HK$128,653
−HK$3,944/mo
Today · 4.125%
HK$132,597
baseline
▲ 0.50% · 4.625%
HK$140,665
+HK$8,068/mo
Deposit HK$11.73M · loan HK$27.36M · min. income ≈ HK$265,194/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,808
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$142,531
−HK$3,776/mo
Today · 4.125%
HK$146,307
baseline
▲ 0.50% · 4.625%
HK$154,019
+HK$7,712/mo
Deposit HK$11.73M · loan HK$27.36M · min. income ≈ HK$292,614/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,422
−HK$10,059/mo
▼ 0.25% · 3.875%
HK$165,412
−HK$5,069/mo
Today · 4.125%
HK$170,481
baseline
▲ 0.50% · 4.625%
HK$180,855
+HK$10,374/mo
Deposit HK$3.91M · loan HK$35.18M · min. income ≈ HK$340,962/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,467
−HK$9,642/mo
▼ 0.25% · 3.875%
HK$183,254
−HK$4,855/mo
Today · 4.125%
HK$188,109
baseline
▲ 0.50% · 4.625%
HK$198,025
+HK$9,916/mo
Deposit HK$3.91M · loan HK$35.18M · min. income ≈ HK$376,218/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,100 · Scale 2, in force from 26 Feb 2026)