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$89,087
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,858
−HK$2,815/mo
Today · 4.125%
HK$94,673
baseline
▲ 0.50% · 4.625%
HK$100,434
+HK$5,761/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$189,346/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,660,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,108
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,766
−HK$2,697/mo
Today · 4.125%
HK$104,463
baseline
▲ 0.50% · 4.625%
HK$109,969
+HK$5,506/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$208,926/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,660,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,904
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$110,230
−HK$3,378/mo
Today · 4.125%
HK$113,608
baseline
▲ 0.50% · 4.625%
HK$120,521
+HK$6,913/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$227,216/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,930
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$122,119
−HK$3,236/mo
Today · 4.125%
HK$125,355
baseline
▲ 0.50% · 4.625%
HK$131,963
+HK$6,608/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$250,710/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,722
−HK$7,821/mo
▼ 0.25% · 3.875%
HK$128,601
−HK$3,942/mo
Today · 4.125%
HK$132,543
baseline
▲ 0.50% · 4.625%
HK$140,608
+HK$8,065/mo
Deposit HK$11.72M · loan HK$27.35M · min. income ≈ HK$265,086/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,752
−HK$7,496/mo
▼ 0.25% · 3.875%
HK$142,473
−HK$3,775/mo
Today · 4.125%
HK$146,248
baseline
▲ 0.50% · 4.625%
HK$153,957
+HK$7,709/mo
Deposit HK$11.72M · loan HK$27.35M · min. income ≈ HK$292,496/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,356
−HK$10,056/mo
▼ 0.25% · 3.875%
HK$165,344
−HK$5,068/mo
Today · 4.125%
HK$170,412
baseline
▲ 0.50% · 4.625%
HK$180,781
+HK$10,369/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$340,824/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,395
−HK$9,638/mo
▼ 0.25% · 3.875%
HK$183,179
−HK$4,854/mo
Today · 4.125%
HK$188,033
baseline
▲ 0.50% · 4.625%
HK$197,944
+HK$9,911/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$376,066/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,424 · Scale 2, in force from 26 Feb 2026)