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$89,417
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$92,199
−HK$2,826/mo
Today · 4.125%
HK$95,025
baseline
▲ 0.50% · 4.625%
HK$100,807
+HK$5,782/mo
Deposit HK$19.61M · loan HK$19.61M · min. income ≈ HK$190,050/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,476
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$102,144
−HK$2,706/mo
Today · 4.125%
HK$104,850
baseline
▲ 0.50% · 4.625%
HK$110,377
+HK$5,527/mo
Deposit HK$19.61M · loan HK$19.61M · min. income ≈ HK$209,700/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,301
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$110,638
−HK$3,391/mo
Today · 4.125%
HK$114,029
baseline
▲ 0.50% · 4.625%
HK$120,968
+HK$6,939/mo
Deposit HK$15.69M · loan HK$23.53M · min. income ≈ HK$228,058/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,371
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$122,572
−HK$3,248/mo
Today · 4.125%
HK$125,820
baseline
▲ 0.50% · 4.625%
HK$132,452
+HK$6,632/mo
Deposit HK$15.69M · loan HK$23.53M · min. income ≈ HK$251,640/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,184
−HK$7,850/mo
▼ 0.25% · 3.875%
HK$129,078
−HK$3,956/mo
Today · 4.125%
HK$133,034
baseline
▲ 0.50% · 4.625%
HK$141,129
+HK$8,095/mo
Deposit HK$11.76M · loan HK$27.45M · min. income ≈ HK$266,068/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,266
−HK$7,524/mo
▼ 0.25% · 3.875%
HK$143,001
−HK$3,789/mo
Today · 4.125%
HK$146,790
baseline
▲ 0.50% · 4.625%
HK$154,528
+HK$7,738/mo
Deposit HK$11.76M · loan HK$27.45M · min. income ≈ HK$293,580/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,951
−HK$10,093/mo
▼ 0.25% · 3.875%
HK$165,958
−HK$5,086/mo
Today · 4.125%
HK$171,044
baseline
▲ 0.50% · 4.625%
HK$181,452
+HK$10,408/mo
Deposit HK$3.92M · loan HK$35.29M · min. income ≈ HK$342,088/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,057
−HK$9,673/mo
▼ 0.25% · 3.875%
HK$183,859
−HK$4,871/mo
Today · 4.125%
HK$188,730
baseline
▲ 0.50% · 4.625%
HK$198,679
+HK$9,949/mo
Deposit HK$3.92M · loan HK$35.29M · min. income ≈ HK$377,460/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,583 · Scale 2, in force from 26 Feb 2026)