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$89,223
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$91,999
−HK$2,820/mo
Today · 4.125%
HK$94,819
baseline
▲ 0.50% · 4.625%
HK$100,588
+HK$5,769/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$189,638/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,662,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,260
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,922
−HK$2,701/mo
Today · 4.125%
HK$104,623
baseline
▲ 0.50% · 4.625%
HK$110,138
+HK$5,515/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$209,246/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,662,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,068
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$110,399
−HK$3,383/mo
Today · 4.125%
HK$113,782
baseline
▲ 0.50% · 4.625%
HK$120,706
+HK$6,924/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$227,564/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,112
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$122,307
−HK$3,241/mo
Today · 4.125%
HK$125,548
baseline
▲ 0.50% · 4.625%
HK$132,165
+HK$6,617/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$251,096/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,913
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$128,798
−HK$3,948/mo
Today · 4.125%
HK$132,746
baseline
▲ 0.50% · 4.625%
HK$140,823
+HK$8,077/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$265,492/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,964
−HK$7,508/mo
▼ 0.25% · 3.875%
HK$142,691
−HK$3,781/mo
Today · 4.125%
HK$146,472
baseline
▲ 0.50% · 4.625%
HK$154,193
+HK$7,721/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$292,944/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,602
−HK$10,071/mo
▼ 0.25% · 3.875%
HK$165,598
−HK$5,075/mo
Today · 4.125%
HK$170,673
baseline
▲ 0.50% · 4.625%
HK$181,059
+HK$10,386/mo
Deposit HK$3.91M · loan HK$35.22M · min. income ≈ HK$341,346/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,662,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,668
−HK$9,653/mo
▼ 0.25% · 3.875%
HK$183,460
−HK$4,861/mo
Today · 4.125%
HK$188,321
baseline
▲ 0.50% · 4.625%
HK$198,248
+HK$9,927/mo
Deposit HK$3.91M · loan HK$35.22M · min. income ≈ HK$376,642/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,662,970 · Scale 2, in force from 26 Feb 2026)