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$89,089
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$91,860
−HK$2,816/mo
Today · 4.125%
HK$94,676
baseline
▲ 0.50% · 4.625%
HK$100,437
+HK$5,761/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$189,352/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,111
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,769
−HK$2,697/mo
Today · 4.125%
HK$104,466
baseline
▲ 0.50% · 4.625%
HK$109,972
+HK$5,506/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$208,932/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,907
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$110,233
−HK$3,378/mo
Today · 4.125%
HK$113,611
baseline
▲ 0.50% · 4.625%
HK$120,524
+HK$6,913/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$227,222/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,933
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$122,123
−HK$3,236/mo
Today · 4.125%
HK$125,359
baseline
▲ 0.50% · 4.625%
HK$131,966
+HK$6,607/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$250,718/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,725
−HK$7,821/mo
▼ 0.25% · 3.875%
HK$128,605
−HK$3,941/mo
Today · 4.125%
HK$132,546
baseline
▲ 0.50% · 4.625%
HK$140,611
+HK$8,065/mo
Deposit HK$11.72M · loan HK$27.35M · min. income ≈ HK$265,092/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,755
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$142,477
−HK$3,775/mo
Today · 4.125%
HK$146,252
baseline
▲ 0.50% · 4.625%
HK$153,961
+HK$7,709/mo
Deposit HK$11.72M · loan HK$27.35M · min. income ≈ HK$292,504/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,361
−HK$10,056/mo
▼ 0.25% · 3.875%
HK$165,349
−HK$5,068/mo
Today · 4.125%
HK$170,417
baseline
▲ 0.50% · 4.625%
HK$180,786
+HK$10,369/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$340,834/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,400
−HK$9,638/mo
▼ 0.25% · 3.875%
HK$183,184
−HK$4,854/mo
Today · 4.125%
HK$188,038
baseline
▲ 0.50% · 4.625%
HK$197,950
+HK$9,912/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$376,076/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,469 · Scale 2, in force from 26 Feb 2026)