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$89,382
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$92,162
−HK$2,825/mo
Today · 4.125%
HK$94,987
baseline
▲ 0.50% · 4.625%
HK$100,767
+HK$5,780/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$189,974/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,665,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,437
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$102,103
−HK$2,706/mo
Today · 4.125%
HK$104,809
baseline
▲ 0.50% · 4.625%
HK$110,333
+HK$5,524/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$209,618/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,665,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,258
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$110,595
−HK$3,389/mo
Today · 4.125%
HK$113,984
baseline
▲ 0.50% · 4.625%
HK$120,920
+HK$6,936/mo
Deposit HK$15.68M · loan HK$23.52M · min. income ≈ HK$227,968/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,665,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,324
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,524
−HK$3,247/mo
Today · 4.125%
HK$125,771
baseline
▲ 0.50% · 4.625%
HK$132,400
+HK$6,629/mo
Deposit HK$15.68M · loan HK$23.52M · min. income ≈ HK$251,542/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,665,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,135
−HK$7,847/mo
▼ 0.25% · 3.875%
HK$129,027
−HK$3,955/mo
Today · 4.125%
HK$132,982
baseline
▲ 0.50% · 4.625%
HK$141,074
+HK$8,092/mo
Deposit HK$11.76M · loan HK$27.44M · min. income ≈ HK$265,964/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,665,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,211
−HK$7,521/mo
▼ 0.25% · 3.875%
HK$142,945
−HK$3,787/mo
Today · 4.125%
HK$146,732
baseline
▲ 0.50% · 4.625%
HK$154,467
+HK$7,735/mo
Deposit HK$11.76M · loan HK$27.44M · min. income ≈ HK$293,464/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,665,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,888
−HK$10,089/mo
▼ 0.25% · 3.875%
HK$165,892
−HK$5,085/mo
Today · 4.125%
HK$170,977
baseline
▲ 0.50% · 4.625%
HK$181,380
+HK$10,403/mo
Deposit HK$3.92M · loan HK$35.28M · min. income ≈ HK$341,954/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,665,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,986
−HK$9,670/mo
▼ 0.25% · 3.875%
HK$183,786
−HK$4,870/mo
Today · 4.125%
HK$188,656
baseline
▲ 0.50% · 4.625%
HK$198,600
+HK$9,944/mo
Deposit HK$3.92M · loan HK$35.28M · min. income ≈ HK$377,312/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,665,925 · Scale 2, in force from 26 Feb 2026)