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$88,951
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,718
−HK$2,811/mo
Today · 4.125%
HK$94,529
baseline
▲ 0.50% · 4.625%
HK$100,281
+HK$5,752/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$189,058/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,957
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$101,611
−HK$2,692/mo
Today · 4.125%
HK$104,303
baseline
▲ 0.50% · 4.625%
HK$109,801
+HK$5,498/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$208,606/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,741
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$110,062
−HK$3,373/mo
Today · 4.125%
HK$113,435
baseline
▲ 0.50% · 4.625%
HK$120,337
+HK$6,902/mo
Deposit HK$15.60M · loan HK$23.41M · min. income ≈ HK$226,870/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,749
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$121,933
−HK$3,231/mo
Today · 4.125%
HK$125,164
baseline
▲ 0.50% · 4.625%
HK$131,762
+HK$6,598/mo
Deposit HK$15.60M · loan HK$23.41M · min. income ≈ HK$250,328/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,531
−HK$7,810/mo
▼ 0.25% · 3.875%
HK$128,405
−HK$3,936/mo
Today · 4.125%
HK$132,341
baseline
▲ 0.50% · 4.625%
HK$140,393
+HK$8,052/mo
Deposit HK$11.70M · loan HK$27.31M · min. income ≈ HK$264,682/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,540
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$142,256
−HK$3,769/mo
Today · 4.125%
HK$146,025
baseline
▲ 0.50% · 4.625%
HK$153,722
+HK$7,697/mo
Deposit HK$11.70M · loan HK$27.31M · min. income ≈ HK$292,050/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,112
−HK$10,040/mo
▼ 0.25% · 3.875%
HK$165,092
−HK$5,060/mo
Today · 4.125%
HK$170,152
baseline
▲ 0.50% · 4.625%
HK$180,506
+HK$10,354/mo
Deposit HK$3.90M · loan HK$35.11M · min. income ≈ HK$340,304/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,123
−HK$9,623/mo
▼ 0.25% · 3.875%
HK$182,900
−HK$4,846/mo
Today · 4.125%
HK$187,746
baseline
▲ 0.50% · 4.625%
HK$197,643
+HK$9,897/mo
Deposit HK$3.90M · loan HK$35.11M · min. income ≈ HK$375,492/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,893 · Scale 2, in force from 26 Feb 2026)