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$89,094
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$91,865
−HK$2,816/mo
Today · 4.125%
HK$94,681
baseline
▲ 0.50% · 4.625%
HK$100,442
+HK$5,761/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$189,362/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,116
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,775
−HK$2,696/mo
Today · 4.125%
HK$104,471
baseline
▲ 0.50% · 4.625%
HK$109,978
+HK$5,507/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$208,942/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,913
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$110,238
−HK$3,379/mo
Today · 4.125%
HK$113,617
baseline
▲ 0.50% · 4.625%
HK$120,531
+HK$6,914/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$227,234/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,940
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$122,129
−HK$3,236/mo
Today · 4.125%
HK$125,365
baseline
▲ 0.50% · 4.625%
HK$131,974
+HK$6,609/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$250,730/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,732
−HK$7,821/mo
▼ 0.25% · 3.875%
HK$128,612
−HK$3,941/mo
Today · 4.125%
HK$132,553
baseline
▲ 0.50% · 4.625%
HK$140,619
+HK$8,066/mo
Deposit HK$11.72M · loan HK$27.35M · min. income ≈ HK$265,106/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,763
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$142,484
−HK$3,776/mo
Today · 4.125%
HK$146,260
baseline
▲ 0.50% · 4.625%
HK$153,969
+HK$7,709/mo
Deposit HK$11.72M · loan HK$27.35M · min. income ≈ HK$292,520/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,369
−HK$10,057/mo
▼ 0.25% · 3.875%
HK$165,358
−HK$5,068/mo
Today · 4.125%
HK$170,426
baseline
▲ 0.50% · 4.625%
HK$180,796
+HK$10,370/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$340,852/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,409
−HK$9,639/mo
▼ 0.25% · 3.875%
HK$183,194
−HK$4,854/mo
Today · 4.125%
HK$188,048
baseline
▲ 0.50% · 4.625%
HK$197,960
+HK$9,912/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$376,096/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,558 · Scale 2, in force from 26 Feb 2026)