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$89,286
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$92,064
−HK$2,821/mo
Today · 4.125%
HK$94,885
baseline
▲ 0.50% · 4.625%
HK$100,659
+HK$5,774/mo
Deposit HK$19.58M · loan HK$19.58M · min. income ≈ HK$189,770/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$1,664,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,330
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$101,994
−HK$2,702/mo
Today · 4.125%
HK$104,696
baseline
▲ 0.50% · 4.625%
HK$110,215
+HK$5,519/mo
Deposit HK$19.58M · loan HK$19.58M · min. income ≈ HK$209,392/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$1,664,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,143
−HK$6,719/mo
▼ 0.25% · 3.875%
HK$110,476
−HK$3,386/mo
Today · 4.125%
HK$113,862
baseline
▲ 0.50% · 4.625%
HK$120,791
+HK$6,929/mo
Deposit HK$15.66M · loan HK$23.49M · min. income ≈ HK$227,724/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,664,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,196
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$122,393
−HK$3,243/mo
Today · 4.125%
HK$125,636
baseline
▲ 0.50% · 4.625%
HK$132,258
+HK$6,622/mo
Deposit HK$15.66M · loan HK$23.49M · min. income ≈ HK$251,272/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,664,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,001
−HK$7,838/mo
▼ 0.25% · 3.875%
HK$128,889
−HK$3,950/mo
Today · 4.125%
HK$132,839
baseline
▲ 0.50% · 4.625%
HK$140,922
+HK$8,083/mo
Deposit HK$11.75M · loan HK$27.41M · min. income ≈ HK$265,678/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,664,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,062
−HK$7,513/mo
▼ 0.25% · 3.875%
HK$142,792
−HK$3,783/mo
Today · 4.125%
HK$146,575
baseline
▲ 0.50% · 4.625%
HK$154,301
+HK$7,726/mo
Deposit HK$11.75M · loan HK$27.41M · min. income ≈ HK$293,150/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,664,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,715
−HK$10,078/mo
▼ 0.25% · 3.875%
HK$165,714
−HK$5,079/mo
Today · 4.125%
HK$170,793
baseline
▲ 0.50% · 4.625%
HK$181,186
+HK$10,393/mo
Deposit HK$3.92M · loan HK$35.24M · min. income ≈ HK$341,586/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,794
−HK$9,660/mo
▼ 0.25% · 3.875%
HK$183,589
−HK$4,865/mo
Today · 4.125%
HK$188,454
baseline
▲ 0.50% · 4.625%
HK$198,387
+HK$9,933/mo
Deposit HK$3.92M · loan HK$35.24M · min. income ≈ HK$376,908/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,139 · Scale 2, in force from 26 Feb 2026)