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$89,180
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$91,954
−HK$2,819/mo
Today · 4.125%
HK$94,773
baseline
▲ 0.50% · 4.625%
HK$100,539
+HK$5,766/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$189,546/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$1,662,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,212
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$101,873
−HK$2,699/mo
Today · 4.125%
HK$104,572
baseline
▲ 0.50% · 4.625%
HK$110,085
+HK$5,513/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$209,144/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$1,662,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,016
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$110,345
−HK$3,382/mo
Today · 4.125%
HK$113,727
baseline
▲ 0.50% · 4.625%
HK$120,647
+HK$6,920/mo
Deposit HK$15.64M · loan HK$23.47M · min. income ≈ HK$227,454/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,055
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$122,248
−HK$3,239/mo
Today · 4.125%
HK$125,487
baseline
▲ 0.50% · 4.625%
HK$132,101
+HK$6,614/mo
Deposit HK$15.64M · loan HK$23.47M · min. income ≈ HK$250,974/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,853
−HK$7,829/mo
▼ 0.25% · 3.875%
HK$128,736
−HK$3,946/mo
Today · 4.125%
HK$132,682
baseline
▲ 0.50% · 4.625%
HK$140,755
+HK$8,073/mo
Deposit HK$11.73M · loan HK$27.38M · min. income ≈ HK$265,364/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,897
−HK$7,504/mo
▼ 0.25% · 3.875%
HK$142,622
−HK$3,779/mo
Today · 4.125%
HK$146,401
baseline
▲ 0.50% · 4.625%
HK$154,118
+HK$7,717/mo
Deposit HK$11.73M · loan HK$27.38M · min. income ≈ HK$292,802/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,525
−HK$10,066/mo
▼ 0.25% · 3.875%
HK$165,518
−HK$5,073/mo
Today · 4.125%
HK$170,591
baseline
▲ 0.50% · 4.625%
HK$180,971
+HK$10,380/mo
Deposit HK$3.91M · loan HK$35.20M · min. income ≈ HK$341,182/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,662,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,582
−HK$9,648/mo
▼ 0.25% · 3.875%
HK$183,372
−HK$4,858/mo
Today · 4.125%
HK$188,230
baseline
▲ 0.50% · 4.625%
HK$198,152
+HK$9,922/mo
Deposit HK$3.91M · loan HK$35.20M · min. income ≈ HK$376,460/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,662,167 · Scale 2, in force from 26 Feb 2026)