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$88,962
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$91,730
−HK$2,811/mo
Today · 4.125%
HK$94,541
baseline
▲ 0.50% · 4.625%
HK$100,294
+HK$5,753/mo
Deposit HK$19.51M · loan HK$19.51M · min. income ≈ HK$189,082/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,970
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,624
−HK$2,693/mo
Today · 4.125%
HK$104,317
baseline
▲ 0.50% · 4.625%
HK$109,815
+HK$5,498/mo
Deposit HK$19.51M · loan HK$19.51M · min. income ≈ HK$208,634/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,755
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$110,075
−HK$3,374/mo
Today · 4.125%
HK$113,449
baseline
▲ 0.50% · 4.625%
HK$120,352
+HK$6,903/mo
Deposit HK$15.61M · loan HK$23.41M · min. income ≈ HK$226,898/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,658,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,764
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$121,949
−HK$3,231/mo
Today · 4.125%
HK$125,180
baseline
▲ 0.50% · 4.625%
HK$131,778
+HK$6,598/mo
Deposit HK$15.61M · loan HK$23.41M · min. income ≈ HK$250,360/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,658,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,547
−HK$7,810/mo
▼ 0.25% · 3.875%
HK$128,421
−HK$3,936/mo
Today · 4.125%
HK$132,357
baseline
▲ 0.50% · 4.625%
HK$140,411
+HK$8,054/mo
Deposit HK$11.70M · loan HK$27.31M · min. income ≈ HK$264,714/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,658,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,558
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$142,274
−HK$3,769/mo
Today · 4.125%
HK$146,043
baseline
▲ 0.50% · 4.625%
HK$153,742
+HK$7,699/mo
Deposit HK$11.70M · loan HK$27.31M · min. income ≈ HK$292,086/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,658,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,132
−HK$10,042/mo
▼ 0.25% · 3.875%
HK$165,113
−HK$5,061/mo
Today · 4.125%
HK$170,174
baseline
▲ 0.50% · 4.625%
HK$180,529
+HK$10,355/mo
Deposit HK$3.90M · loan HK$35.11M · min. income ≈ HK$340,348/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,145
−HK$9,625/mo
▼ 0.25% · 3.875%
HK$182,923
−HK$4,847/mo
Today · 4.125%
HK$187,770
baseline
▲ 0.50% · 4.625%
HK$197,668
+HK$9,898/mo
Deposit HK$3.90M · loan HK$35.11M · min. income ≈ HK$375,540/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,103 · Scale 2, in force from 26 Feb 2026)