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$89,035
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,805
−HK$2,813/mo
Today · 4.125%
HK$94,618
baseline
▲ 0.50% · 4.625%
HK$100,376
+HK$5,758/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$189,236/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$1,659,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,051
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,707
−HK$2,695/mo
Today · 4.125%
HK$104,402
baseline
▲ 0.50% · 4.625%
HK$109,905
+HK$5,503/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$208,804/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$1,659,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,842
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$110,165
−HK$3,377/mo
Today · 4.125%
HK$113,542
baseline
▲ 0.50% · 4.625%
HK$120,451
+HK$6,909/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$227,084/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,861
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$122,049
−HK$3,233/mo
Today · 4.125%
HK$125,282
baseline
▲ 0.50% · 4.625%
HK$131,886
+HK$6,604/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$250,564/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,649
−HK$7,817/mo
▼ 0.25% · 3.875%
HK$128,526
−HK$3,940/mo
Today · 4.125%
HK$132,466
baseline
▲ 0.50% · 4.625%
HK$140,526
+HK$8,060/mo
Deposit HK$11.71M · loan HK$27.33M · min. income ≈ HK$264,932/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,671
−HK$7,492/mo
▼ 0.25% · 3.875%
HK$142,390
−HK$3,773/mo
Today · 4.125%
HK$146,163
baseline
▲ 0.50% · 4.625%
HK$153,867
+HK$7,704/mo
Deposit HK$11.71M · loan HK$27.33M · min. income ≈ HK$292,326/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,263
−HK$10,050/mo
▼ 0.25% · 3.875%
HK$165,248
−HK$5,065/mo
Today · 4.125%
HK$170,313
baseline
▲ 0.50% · 4.625%
HK$180,676
+HK$10,363/mo
Deposit HK$3.90M · loan HK$35.14M · min. income ≈ HK$340,626/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,291
−HK$9,633/mo
▼ 0.25% · 3.875%
HK$183,073
−HK$4,851/mo
Today · 4.125%
HK$187,924
baseline
▲ 0.50% · 4.625%
HK$197,829
+HK$9,905/mo
Deposit HK$3.90M · loan HK$35.14M · min. income ≈ HK$375,848/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,459 · Scale 2, in force from 26 Feb 2026)