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$89,292
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$92,069
−HK$2,822/mo
Today · 4.125%
HK$94,891
baseline
▲ 0.50% · 4.625%
HK$100,665
+HK$5,774/mo
Deposit HK$19.58M · loan HK$19.58M · min. income ≈ HK$189,782/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$1,664,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,336
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$102,000
−HK$2,703/mo
Today · 4.125%
HK$104,703
baseline
▲ 0.50% · 4.625%
HK$110,222
+HK$5,519/mo
Deposit HK$19.58M · loan HK$19.58M · min. income ≈ HK$209,406/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$1,664,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,150
−HK$6,719/mo
▼ 0.25% · 3.875%
HK$110,483
−HK$3,386/mo
Today · 4.125%
HK$113,869
baseline
▲ 0.50% · 4.625%
HK$120,798
+HK$6,929/mo
Deposit HK$15.66M · loan HK$23.50M · min. income ≈ HK$227,738/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,664,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,203
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$122,400
−HK$3,244/mo
Today · 4.125%
HK$125,644
baseline
▲ 0.50% · 4.625%
HK$132,266
+HK$6,622/mo
Deposit HK$15.66M · loan HK$23.50M · min. income ≈ HK$251,288/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,664,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,008
−HK$7,840/mo
▼ 0.25% · 3.875%
HK$128,897
−HK$3,951/mo
Today · 4.125%
HK$132,848
baseline
▲ 0.50% · 4.625%
HK$140,931
+HK$8,083/mo
Deposit HK$11.75M · loan HK$27.41M · min. income ≈ HK$265,696/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,664,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,071
−HK$7,513/mo
▼ 0.25% · 3.875%
HK$142,800
−HK$3,784/mo
Today · 4.125%
HK$146,584
baseline
▲ 0.50% · 4.625%
HK$154,311
+HK$7,727/mo
Deposit HK$11.75M · loan HK$27.41M · min. income ≈ HK$293,168/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,664,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,725
−HK$10,079/mo
▼ 0.25% · 3.875%
HK$165,725
−HK$5,079/mo
Today · 4.125%
HK$170,804
baseline
▲ 0.50% · 4.625%
HK$181,197
+HK$10,393/mo
Deposit HK$3.92M · loan HK$35.24M · min. income ≈ HK$341,608/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,805
−HK$9,660/mo
▼ 0.25% · 3.875%
HK$183,601
−HK$4,864/mo
Today · 4.125%
HK$188,465
baseline
▲ 0.50% · 4.625%
HK$198,400
+HK$9,935/mo
Deposit HK$3.92M · loan HK$35.24M · min. income ≈ HK$376,930/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,242 · Scale 2, in force from 26 Feb 2026)