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$89,479
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$92,263
−HK$2,827/mo
Today · 4.125%
HK$95,090
baseline
▲ 0.50% · 4.625%
HK$100,876
+HK$5,786/mo
Deposit HK$19.62M · loan HK$19.62M · min. income ≈ HK$190,180/mo (50% DSR)
Upfront cash ≈ HK$21.29M (deposit + AVD stamp duty HK$1,667,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,545
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$102,215
−HK$2,708/mo
Today · 4.125%
HK$104,923
baseline
▲ 0.50% · 4.625%
HK$110,453
+HK$5,530/mo
Deposit HK$19.62M · loan HK$19.62M · min. income ≈ HK$209,846/mo (50% DSR)
Upfront cash ≈ HK$21.29M (deposit + AVD stamp duty HK$1,667,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,375
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$110,715
−HK$3,393/mo
Today · 4.125%
HK$114,108
baseline
▲ 0.50% · 4.625%
HK$121,052
+HK$6,944/mo
Deposit HK$15.70M · loan HK$23.54M · min. income ≈ HK$228,216/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,667,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,454
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$122,657
−HK$3,250/mo
Today · 4.125%
HK$125,907
baseline
▲ 0.50% · 4.625%
HK$132,544
+HK$6,637/mo
Deposit HK$15.70M · loan HK$23.54M · min. income ≈ HK$251,814/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,667,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,271
−HK$7,856/mo
▼ 0.25% · 3.875%
HK$129,168
−HK$3,959/mo
Today · 4.125%
HK$133,127
baseline
▲ 0.50% · 4.625%
HK$141,227
+HK$8,100/mo
Deposit HK$11.77M · loan HK$27.47M · min. income ≈ HK$266,254/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,667,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,363
−HK$7,529/mo
▼ 0.25% · 3.875%
HK$143,100
−HK$3,792/mo
Today · 4.125%
HK$146,892
baseline
▲ 0.50% · 4.625%
HK$154,635
+HK$7,743/mo
Deposit HK$11.77M · loan HK$27.47M · min. income ≈ HK$293,784/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,667,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,063
−HK$10,100/mo
▼ 0.25% · 3.875%
HK$166,073
−HK$5,090/mo
Today · 4.125%
HK$171,163
baseline
▲ 0.50% · 4.625%
HK$181,578
+HK$10,415/mo
Deposit HK$3.92M · loan HK$35.32M · min. income ≈ HK$342,326/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,667,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,181
−HK$9,680/mo
▼ 0.25% · 3.875%
HK$183,986
−HK$4,875/mo
Today · 4.125%
HK$188,861
baseline
▲ 0.50% · 4.625%
HK$198,816
+HK$9,955/mo
Deposit HK$3.92M · loan HK$35.32M · min. income ≈ HK$377,722/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,667,738 · Scale 2, in force from 26 Feb 2026)