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$89,318
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$92,096
−HK$2,823/mo
Today · 4.125%
HK$94,919
baseline
▲ 0.50% · 4.625%
HK$100,694
+HK$5,775/mo
Deposit HK$19.58M · loan HK$19.58M · min. income ≈ HK$189,838/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$1,664,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,365
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$102,030
−HK$2,703/mo
Today · 4.125%
HK$104,733
baseline
▲ 0.50% · 4.625%
HK$110,254
+HK$5,521/mo
Deposit HK$19.58M · loan HK$19.58M · min. income ≈ HK$209,466/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$1,664,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,181
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$110,515
−HK$3,387/mo
Today · 4.125%
HK$113,902
baseline
▲ 0.50% · 4.625%
HK$120,833
+HK$6,931/mo
Deposit HK$15.67M · loan HK$23.50M · min. income ≈ HK$227,804/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,664,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,238
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$122,436
−HK$3,244/mo
Today · 4.125%
HK$125,680
baseline
▲ 0.50% · 4.625%
HK$132,305
+HK$6,625/mo
Deposit HK$15.67M · loan HK$23.50M · min. income ≈ HK$251,360/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,664,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,045
−HK$7,841/mo
▼ 0.25% · 3.875%
HK$128,934
−HK$3,952/mo
Today · 4.125%
HK$132,886
baseline
▲ 0.50% · 4.625%
HK$140,972
+HK$8,086/mo
Deposit HK$11.75M · loan HK$27.42M · min. income ≈ HK$265,772/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,664,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,111
−HK$7,516/mo
▼ 0.25% · 3.875%
HK$142,842
−HK$3,785/mo
Today · 4.125%
HK$146,627
baseline
▲ 0.50% · 4.625%
HK$154,355
+HK$7,728/mo
Deposit HK$11.75M · loan HK$27.42M · min. income ≈ HK$293,254/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,664,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,772
−HK$10,081/mo
▼ 0.25% · 3.875%
HK$165,772
−HK$5,081/mo
Today · 4.125%
HK$170,853
baseline
▲ 0.50% · 4.625%
HK$181,249
+HK$10,396/mo
Deposit HK$3.92M · loan HK$35.25M · min. income ≈ HK$341,706/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,857
−HK$9,663/mo
▼ 0.25% · 3.875%
HK$183,654
−HK$4,866/mo
Today · 4.125%
HK$188,520
baseline
▲ 0.50% · 4.625%
HK$198,457
+HK$9,937/mo
Deposit HK$3.92M · loan HK$35.25M · min. income ≈ HK$377,040/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,723 · Scale 2, in force from 26 Feb 2026)