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$89,197
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$91,971
−HK$2,819/mo
Today · 4.125%
HK$94,790
baseline
▲ 0.50% · 4.625%
HK$100,558
+HK$5,768/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$189,580/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$1,662,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,231
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,892
−HK$2,700/mo
Today · 4.125%
HK$104,592
baseline
▲ 0.50% · 4.625%
HK$110,105
+HK$5,513/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$209,184/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$1,662,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,036
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$110,366
−HK$3,382/mo
Today · 4.125%
HK$113,748
baseline
▲ 0.50% · 4.625%
HK$120,670
+HK$6,922/mo
Deposit HK$15.65M · loan HK$23.47M · min. income ≈ HK$227,496/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,077
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$122,270
−HK$3,240/mo
Today · 4.125%
HK$125,510
baseline
▲ 0.50% · 4.625%
HK$132,126
+HK$6,616/mo
Deposit HK$15.65M · loan HK$23.47M · min. income ≈ HK$251,020/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,876
−HK$7,830/mo
▼ 0.25% · 3.875%
HK$128,760
−HK$3,946/mo
Today · 4.125%
HK$132,706
baseline
▲ 0.50% · 4.625%
HK$140,781
+HK$8,075/mo
Deposit HK$11.74M · loan HK$27.38M · min. income ≈ HK$265,412/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,923
−HK$7,505/mo
▼ 0.25% · 3.875%
HK$142,649
−HK$3,779/mo
Today · 4.125%
HK$146,428
baseline
▲ 0.50% · 4.625%
HK$154,147
+HK$7,719/mo
Deposit HK$11.74M · loan HK$27.38M · min. income ≈ HK$292,856/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,554
−HK$10,068/mo
▼ 0.25% · 3.875%
HK$165,548
−HK$5,074/mo
Today · 4.125%
HK$170,622
baseline
▲ 0.50% · 4.625%
HK$181,004
+HK$10,382/mo
Deposit HK$3.91M · loan HK$35.21M · min. income ≈ HK$341,244/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,662,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,615
−HK$9,650/mo
▼ 0.25% · 3.875%
HK$183,405
−HK$4,860/mo
Today · 4.125%
HK$188,265
baseline
▲ 0.50% · 4.625%
HK$198,189
+HK$9,924/mo
Deposit HK$3.91M · loan HK$35.21M · min. income ≈ HK$376,530/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,662,474 · Scale 2, in force from 26 Feb 2026)