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$88,902
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,667
−HK$2,810/mo
Today · 4.125%
HK$94,477
baseline
▲ 0.50% · 4.625%
HK$100,226
+HK$5,749/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$188,954/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,656,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,903
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$101,555
−HK$2,691/mo
Today · 4.125%
HK$104,246
baseline
▲ 0.50% · 4.625%
HK$109,741
+HK$5,495/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$208,492/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,656,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,682
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$110,001
−HK$3,371/mo
Today · 4.125%
HK$113,372
baseline
▲ 0.50% · 4.625%
HK$120,271
+HK$6,899/mo
Deposit HK$15.60M · loan HK$23.39M · min. income ≈ HK$226,744/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,656,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,683
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$121,866
−HK$3,229/mo
Today · 4.125%
HK$125,095
baseline
▲ 0.50% · 4.625%
HK$131,689
+HK$6,594/mo
Deposit HK$15.60M · loan HK$23.39M · min. income ≈ HK$250,190/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,656,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,463
−HK$7,805/mo
▼ 0.25% · 3.875%
HK$128,334
−HK$3,934/mo
Today · 4.125%
HK$132,268
baseline
▲ 0.50% · 4.625%
HK$140,316
+HK$8,048/mo
Deposit HK$11.70M · loan HK$27.29M · min. income ≈ HK$264,536/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,464
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$142,177
−HK$3,767/mo
Today · 4.125%
HK$145,944
baseline
▲ 0.50% · 4.625%
HK$153,637
+HK$7,693/mo
Deposit HK$11.70M · loan HK$27.29M · min. income ≈ HK$291,888/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,024
−HK$10,034/mo
▼ 0.25% · 3.875%
HK$165,001
−HK$5,057/mo
Today · 4.125%
HK$170,058
baseline
▲ 0.50% · 4.625%
HK$180,406
+HK$10,348/mo
Deposit HK$3.90M · loan HK$35.09M · min. income ≈ HK$340,116/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,656,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,025
−HK$9,618/mo
▼ 0.25% · 3.875%
HK$182,799
−HK$4,844/mo
Today · 4.125%
HK$187,643
baseline
▲ 0.50% · 4.625%
HK$197,534
+HK$9,891/mo
Deposit HK$3.90M · loan HK$35.09M · min. income ≈ HK$375,286/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,656,978 · Scale 2, in force from 26 Feb 2026)