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$89,255
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$92,031
−HK$2,821/mo
Today · 4.125%
HK$94,852
baseline
▲ 0.50% · 4.625%
HK$100,623
+HK$5,771/mo
Deposit HK$19.57M · loan HK$19.57M · min. income ≈ HK$189,704/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,663,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,295
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$101,958
−HK$2,702/mo
Today · 4.125%
HK$104,660
baseline
▲ 0.50% · 4.625%
HK$110,176
+HK$5,516/mo
Deposit HK$19.57M · loan HK$19.57M · min. income ≈ HK$209,320/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,663,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,106
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$110,437
−HK$3,385/mo
Today · 4.125%
HK$113,822
baseline
▲ 0.50% · 4.625%
HK$120,748
+HK$6,926/mo
Deposit HK$15.66M · loan HK$23.49M · min. income ≈ HK$227,644/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,663,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,154
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$122,350
−HK$3,242/mo
Today · 4.125%
HK$125,592
baseline
▲ 0.50% · 4.625%
HK$132,212
+HK$6,620/mo
Deposit HK$15.66M · loan HK$23.49M · min. income ≈ HK$251,184/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,663,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,957
−HK$7,836/mo
▼ 0.25% · 3.875%
HK$128,844
−HK$3,949/mo
Today · 4.125%
HK$132,793
baseline
▲ 0.50% · 4.625%
HK$140,873
+HK$8,080/mo
Deposit HK$11.74M · loan HK$27.40M · min. income ≈ HK$265,586/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,663,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,013
−HK$7,510/mo
▼ 0.25% · 3.875%
HK$142,741
−HK$3,782/mo
Today · 4.125%
HK$146,523
baseline
▲ 0.50% · 4.625%
HK$154,247
+HK$7,724/mo
Deposit HK$11.74M · loan HK$27.40M · min. income ≈ HK$293,046/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,663,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,659
−HK$10,074/mo
▼ 0.25% · 3.875%
HK$165,656
−HK$5,077/mo
Today · 4.125%
HK$170,733
baseline
▲ 0.50% · 4.625%
HK$181,122
+HK$10,389/mo
Deposit HK$3.91M · loan HK$35.23M · min. income ≈ HK$341,466/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,731
−HK$9,656/mo
▼ 0.25% · 3.875%
HK$183,524
−HK$4,863/mo
Today · 4.125%
HK$188,387
baseline
▲ 0.50% · 4.625%
HK$198,317
+HK$9,930/mo
Deposit HK$3.91M · loan HK$35.23M · min. income ≈ HK$376,774/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,553 · Scale 2, in force from 26 Feb 2026)