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$88,951
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,717
−HK$2,812/mo
Today · 4.125%
HK$94,529
baseline
▲ 0.50% · 4.625%
HK$100,280
+HK$5,751/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$189,058/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,957
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$101,611
−HK$2,692/mo
Today · 4.125%
HK$104,303
baseline
▲ 0.50% · 4.625%
HK$109,801
+HK$5,498/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$208,606/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,741
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$110,061
−HK$3,373/mo
Today · 4.125%
HK$113,434
baseline
▲ 0.50% · 4.625%
HK$120,336
+HK$6,902/mo
Deposit HK$15.60M · loan HK$23.41M · min. income ≈ HK$226,868/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,748
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$121,933
−HK$3,231/mo
Today · 4.125%
HK$125,164
baseline
▲ 0.50% · 4.625%
HK$131,761
+HK$6,597/mo
Deposit HK$15.60M · loan HK$23.41M · min. income ≈ HK$250,328/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,531
−HK$7,809/mo
▼ 0.25% · 3.875%
HK$128,404
−HK$3,936/mo
Today · 4.125%
HK$132,340
baseline
▲ 0.50% · 4.625%
HK$140,393
+HK$8,053/mo
Deposit HK$11.70M · loan HK$27.31M · min. income ≈ HK$264,680/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,539
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$142,255
−HK$3,769/mo
Today · 4.125%
HK$146,024
baseline
▲ 0.50% · 4.625%
HK$153,721
+HK$7,697/mo
Deposit HK$11.70M · loan HK$27.31M · min. income ≈ HK$292,048/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,111
−HK$10,040/mo
▼ 0.25% · 3.875%
HK$165,091
−HK$5,060/mo
Today · 4.125%
HK$170,151
baseline
▲ 0.50% · 4.625%
HK$180,505
+HK$10,354/mo
Deposit HK$3.90M · loan HK$35.11M · min. income ≈ HK$340,302/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,122
−HK$9,623/mo
▼ 0.25% · 3.875%
HK$182,899
−HK$4,846/mo
Today · 4.125%
HK$187,745
baseline
▲ 0.50% · 4.625%
HK$197,642
+HK$9,897/mo
Deposit HK$3.90M · loan HK$35.11M · min. income ≈ HK$375,490/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,884 · Scale 2, in force from 26 Feb 2026)