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$89,391
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$92,171
−HK$2,825/mo
Today · 4.125%
HK$94,996
baseline
▲ 0.50% · 4.625%
HK$100,777
+HK$5,781/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$189,992/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,446
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$102,114
−HK$2,705/mo
Today · 4.125%
HK$104,819
baseline
▲ 0.50% · 4.625%
HK$110,344
+HK$5,525/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$209,638/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,269
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$110,606
−HK$3,390/mo
Today · 4.125%
HK$113,996
baseline
▲ 0.50% · 4.625%
HK$120,932
+HK$6,936/mo
Deposit HK$15.68M · loan HK$23.52M · min. income ≈ HK$227,992/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,336
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,536
−HK$3,247/mo
Today · 4.125%
HK$125,783
baseline
▲ 0.50% · 4.625%
HK$132,413
+HK$6,630/mo
Deposit HK$15.68M · loan HK$23.52M · min. income ≈ HK$251,566/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,147
−HK$7,848/mo
▼ 0.25% · 3.875%
HK$129,040
−HK$3,955/mo
Today · 4.125%
HK$132,995
baseline
▲ 0.50% · 4.625%
HK$141,087
+HK$8,092/mo
Deposit HK$11.76M · loan HK$27.44M · min. income ≈ HK$265,990/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,225
−HK$7,522/mo
▼ 0.25% · 3.875%
HK$142,959
−HK$3,788/mo
Today · 4.125%
HK$146,747
baseline
▲ 0.50% · 4.625%
HK$154,482
+HK$7,735/mo
Deposit HK$11.76M · loan HK$27.44M · min. income ≈ HK$293,494/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,904
−HK$10,090/mo
▼ 0.25% · 3.875%
HK$165,909
−HK$5,085/mo
Today · 4.125%
HK$170,994
baseline
▲ 0.50% · 4.625%
HK$181,398
+HK$10,404/mo
Deposit HK$3.92M · loan HK$35.28M · min. income ≈ HK$341,988/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,004
−HK$9,671/mo
▼ 0.25% · 3.875%
HK$183,804
−HK$4,871/mo
Today · 4.125%
HK$188,675
baseline
▲ 0.50% · 4.625%
HK$198,620
+HK$9,945/mo
Deposit HK$3.92M · loan HK$35.28M · min. income ≈ HK$377,350/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,090 · Scale 2, in force from 26 Feb 2026)