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$89,390
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$92,171
−HK$2,825/mo
Today · 4.125%
HK$94,996
baseline
▲ 0.50% · 4.625%
HK$100,776
+HK$5,780/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$189,992/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,446
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$102,113
−HK$2,705/mo
Today · 4.125%
HK$104,818
baseline
▲ 0.50% · 4.625%
HK$110,343
+HK$5,525/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$209,636/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,268
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$110,605
−HK$3,390/mo
Today · 4.125%
HK$113,995
baseline
▲ 0.50% · 4.625%
HK$120,931
+HK$6,936/mo
Deposit HK$15.68M · loan HK$23.52M · min. income ≈ HK$227,990/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,335
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,535
−HK$3,247/mo
Today · 4.125%
HK$125,782
baseline
▲ 0.50% · 4.625%
HK$132,412
+HK$6,630/mo
Deposit HK$15.68M · loan HK$23.52M · min. income ≈ HK$251,564/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,146
−HK$7,848/mo
▼ 0.25% · 3.875%
HK$129,039
−HK$3,955/mo
Today · 4.125%
HK$132,994
baseline
▲ 0.50% · 4.625%
HK$141,086
+HK$8,092/mo
Deposit HK$11.76M · loan HK$27.44M · min. income ≈ HK$265,988/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,224
−HK$7,522/mo
▼ 0.25% · 3.875%
HK$142,958
−HK$3,788/mo
Today · 4.125%
HK$146,746
baseline
▲ 0.50% · 4.625%
HK$154,481
+HK$7,735/mo
Deposit HK$11.76M · loan HK$27.44M · min. income ≈ HK$293,492/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,902
−HK$10,090/mo
▼ 0.25% · 3.875%
HK$165,907
−HK$5,085/mo
Today · 4.125%
HK$170,992
baseline
▲ 0.50% · 4.625%
HK$181,397
+HK$10,405/mo
Deposit HK$3.92M · loan HK$35.28M · min. income ≈ HK$341,984/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,002
−HK$9,671/mo
▼ 0.25% · 3.875%
HK$183,803
−HK$4,870/mo
Today · 4.125%
HK$188,673
baseline
▲ 0.50% · 4.625%
HK$198,618
+HK$9,945/mo
Deposit HK$3.92M · loan HK$35.28M · min. income ≈ HK$377,346/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,076 · Scale 2, in force from 26 Feb 2026)