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$88,947
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,714
−HK$2,811/mo
Today · 4.125%
HK$94,525
baseline
▲ 0.50% · 4.625%
HK$100,277
+HK$5,752/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$189,050/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,953
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$101,607
−HK$2,692/mo
Today · 4.125%
HK$104,299
baseline
▲ 0.50% · 4.625%
HK$109,797
+HK$5,498/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$208,598/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,737
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$110,057
−HK$3,373/mo
Today · 4.125%
HK$113,430
baseline
▲ 0.50% · 4.625%
HK$120,332
+HK$6,902/mo
Deposit HK$15.60M · loan HK$23.40M · min. income ≈ HK$226,860/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,744
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$121,928
−HK$3,231/mo
Today · 4.125%
HK$125,159
baseline
▲ 0.50% · 4.625%
HK$131,756
+HK$6,597/mo
Deposit HK$15.60M · loan HK$23.40M · min. income ≈ HK$250,318/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,526
−HK$7,809/mo
▼ 0.25% · 3.875%
HK$128,400
−HK$3,935/mo
Today · 4.125%
HK$132,335
baseline
▲ 0.50% · 4.625%
HK$140,387
+HK$8,052/mo
Deposit HK$11.70M · loan HK$27.31M · min. income ≈ HK$264,670/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,534
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$142,250
−HK$3,769/mo
Today · 4.125%
HK$146,019
baseline
▲ 0.50% · 4.625%
HK$153,716
+HK$7,697/mo
Deposit HK$11.70M · loan HK$27.31M · min. income ≈ HK$292,038/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,105
−HK$10,040/mo
▼ 0.25% · 3.875%
HK$165,085
−HK$5,060/mo
Today · 4.125%
HK$170,145
baseline
▲ 0.50% · 4.625%
HK$180,498
+HK$10,353/mo
Deposit HK$3.90M · loan HK$35.11M · min. income ≈ HK$340,290/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,115
−HK$9,623/mo
▼ 0.25% · 3.875%
HK$182,892
−HK$4,846/mo
Today · 4.125%
HK$187,738
baseline
▲ 0.50% · 4.625%
HK$197,634
+HK$9,896/mo
Deposit HK$3.90M · loan HK$35.11M · min. income ≈ HK$375,476/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,822 · Scale 2, in force from 26 Feb 2026)