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$89,251
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$92,027
−HK$2,821/mo
Today · 4.125%
HK$94,848
baseline
▲ 0.50% · 4.625%
HK$100,619
+HK$5,771/mo
Deposit HK$19.57M · loan HK$19.57M · min. income ≈ HK$189,696/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,663,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,291
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$101,954
−HK$2,701/mo
Today · 4.125%
HK$104,655
baseline
▲ 0.50% · 4.625%
HK$110,172
+HK$5,517/mo
Deposit HK$19.57M · loan HK$19.57M · min. income ≈ HK$209,310/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,663,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,101
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$110,433
−HK$3,385/mo
Today · 4.125%
HK$113,818
baseline
▲ 0.50% · 4.625%
HK$120,743
+HK$6,925/mo
Deposit HK$15.66M · loan HK$23.48M · min. income ≈ HK$227,636/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,663,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,149
−HK$6,437/mo
▼ 0.25% · 3.875%
HK$122,345
−HK$3,241/mo
Today · 4.125%
HK$125,586
baseline
▲ 0.50% · 4.625%
HK$132,206
+HK$6,620/mo
Deposit HK$15.66M · loan HK$23.48M · min. income ≈ HK$251,172/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,663,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,952
−HK$7,835/mo
▼ 0.25% · 3.875%
HK$128,838
−HK$3,949/mo
Today · 4.125%
HK$132,787
baseline
▲ 0.50% · 4.625%
HK$140,867
+HK$8,080/mo
Deposit HK$11.74M · loan HK$27.40M · min. income ≈ HK$265,574/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,663,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,007
−HK$7,511/mo
▼ 0.25% · 3.875%
HK$142,736
−HK$3,782/mo
Today · 4.125%
HK$146,518
baseline
▲ 0.50% · 4.625%
HK$154,241
+HK$7,723/mo
Deposit HK$11.74M · loan HK$27.40M · min. income ≈ HK$293,036/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,663,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,652
−HK$10,074/mo
▼ 0.25% · 3.875%
HK$165,649
−HK$5,077/mo
Today · 4.125%
HK$170,726
baseline
▲ 0.50% · 4.625%
HK$181,115
+HK$10,389/mo
Deposit HK$3.91M · loan HK$35.23M · min. income ≈ HK$341,452/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,724
−HK$9,656/mo
▼ 0.25% · 3.875%
HK$183,517
−HK$4,863/mo
Today · 4.125%
HK$188,380
baseline
▲ 0.50% · 4.625%
HK$198,309
+HK$9,929/mo
Deposit HK$3.91M · loan HK$35.23M · min. income ≈ HK$376,760/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,486 · Scale 2, in force from 26 Feb 2026)