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$88,952
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,719
−HK$2,811/mo
Today · 4.125%
HK$94,530
baseline
▲ 0.50% · 4.625%
HK$100,282
+HK$5,752/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$189,060/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,958
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$101,612
−HK$2,692/mo
Today · 4.125%
HK$104,304
baseline
▲ 0.50% · 4.625%
HK$109,802
+HK$5,498/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$208,608/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,742
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$110,063
−HK$3,373/mo
Today · 4.125%
HK$113,436
baseline
▲ 0.50% · 4.625%
HK$120,338
+HK$6,902/mo
Deposit HK$15.60M · loan HK$23.41M · min. income ≈ HK$226,872/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,750
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$121,934
−HK$3,231/mo
Today · 4.125%
HK$125,165
baseline
▲ 0.50% · 4.625%
HK$131,763
+HK$6,598/mo
Deposit HK$15.60M · loan HK$23.41M · min. income ≈ HK$250,330/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,533
−HK$7,809/mo
▼ 0.25% · 3.875%
HK$128,406
−HK$3,936/mo
Today · 4.125%
HK$132,342
baseline
▲ 0.50% · 4.625%
HK$140,395
+HK$8,053/mo
Deposit HK$11.70M · loan HK$27.31M · min. income ≈ HK$264,684/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,541
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$142,257
−HK$3,769/mo
Today · 4.125%
HK$146,026
baseline
▲ 0.50% · 4.625%
HK$153,723
+HK$7,697/mo
Deposit HK$11.70M · loan HK$27.31M · min. income ≈ HK$292,052/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,113
−HK$10,041/mo
▼ 0.25% · 3.875%
HK$165,094
−HK$5,060/mo
Today · 4.125%
HK$170,154
baseline
▲ 0.50% · 4.625%
HK$180,507
+HK$10,353/mo
Deposit HK$3.90M · loan HK$35.11M · min. income ≈ HK$340,308/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,124
−HK$9,624/mo
▼ 0.25% · 3.875%
HK$182,902
−HK$4,846/mo
Today · 4.125%
HK$187,748
baseline
▲ 0.50% · 4.625%
HK$197,644
+HK$9,896/mo
Deposit HK$3.90M · loan HK$35.11M · min. income ≈ HK$375,496/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,908 · Scale 2, in force from 26 Feb 2026)