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$88,920
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$91,685
−HK$2,811/mo
Today · 4.125%
HK$94,496
baseline
▲ 0.50% · 4.625%
HK$100,245
+HK$5,749/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$188,992/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,922
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$101,575
−HK$2,692/mo
Today · 4.125%
HK$104,267
baseline
▲ 0.50% · 4.625%
HK$109,763
+HK$5,496/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$208,534/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,703
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$110,023
−HK$3,372/mo
Today · 4.125%
HK$113,395
baseline
▲ 0.50% · 4.625%
HK$120,295
+HK$6,900/mo
Deposit HK$15.60M · loan HK$23.40M · min. income ≈ HK$226,790/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,707
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$121,890
−HK$3,230/mo
Today · 4.125%
HK$125,120
baseline
▲ 0.50% · 4.625%
HK$131,715
+HK$6,595/mo
Deposit HK$15.60M · loan HK$23.40M · min. income ≈ HK$250,240/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,487
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$128,360
−HK$3,934/mo
Today · 4.125%
HK$132,294
baseline
▲ 0.50% · 4.625%
HK$140,344
+HK$8,050/mo
Deposit HK$11.70M · loan HK$27.30M · min. income ≈ HK$264,588/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,491
−HK$7,482/mo
▼ 0.25% · 3.875%
HK$142,205
−HK$3,768/mo
Today · 4.125%
HK$145,973
baseline
▲ 0.50% · 4.625%
HK$153,668
+HK$7,695/mo
Deposit HK$11.70M · loan HK$27.30M · min. income ≈ HK$291,946/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,055
−HK$10,037/mo
▼ 0.25% · 3.875%
HK$165,034
−HK$5,058/mo
Today · 4.125%
HK$170,092
baseline
▲ 0.50% · 4.625%
HK$180,442
+HK$10,350/mo
Deposit HK$3.90M · loan HK$35.10M · min. income ≈ HK$340,184/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,060
−HK$9,620/mo
▼ 0.25% · 3.875%
HK$182,835
−HK$4,845/mo
Today · 4.125%
HK$187,680
baseline
▲ 0.50% · 4.625%
HK$197,573
+HK$9,893/mo
Deposit HK$3.90M · loan HK$35.10M · min. income ≈ HK$375,360/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,306 · Scale 2, in force from 26 Feb 2026)