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$89,022
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$91,791
−HK$2,813/mo
Today · 4.125%
HK$94,604
baseline
▲ 0.50% · 4.625%
HK$100,361
+HK$5,757/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$189,208/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$1,659,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,036
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$101,692
−HK$2,694/mo
Today · 4.125%
HK$104,386
baseline
▲ 0.50% · 4.625%
HK$109,889
+HK$5,503/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$208,772/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$1,659,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,826
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$110,149
−HK$3,376/mo
Today · 4.125%
HK$113,525
baseline
▲ 0.50% · 4.625%
HK$120,433
+HK$6,908/mo
Deposit HK$15.62M · loan HK$23.42M · min. income ≈ HK$227,050/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,843
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$122,030
−HK$3,234/mo
Today · 4.125%
HK$125,264
baseline
▲ 0.50% · 4.625%
HK$131,866
+HK$6,602/mo
Deposit HK$15.62M · loan HK$23.42M · min. income ≈ HK$250,528/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,630
−HK$7,816/mo
▼ 0.25% · 3.875%
HK$128,507
−HK$3,939/mo
Today · 4.125%
HK$132,446
baseline
▲ 0.50% · 4.625%
HK$140,505
+HK$8,059/mo
Deposit HK$11.71M · loan HK$27.33M · min. income ≈ HK$264,892/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,650
−HK$7,491/mo
▼ 0.25% · 3.875%
HK$142,369
−HK$3,772/mo
Today · 4.125%
HK$146,141
baseline
▲ 0.50% · 4.625%
HK$153,844
+HK$7,703/mo
Deposit HK$11.71M · loan HK$27.33M · min. income ≈ HK$292,282/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,239
−HK$10,049/mo
▼ 0.25% · 3.875%
HK$165,223
−HK$5,065/mo
Today · 4.125%
HK$170,288
baseline
▲ 0.50% · 4.625%
HK$180,649
+HK$10,361/mo
Deposit HK$3.90M · loan HK$35.14M · min. income ≈ HK$340,576/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,264
−HK$9,632/mo
▼ 0.25% · 3.875%
HK$183,045
−HK$4,851/mo
Today · 4.125%
HK$187,896
baseline
▲ 0.50% · 4.625%
HK$197,800
+HK$9,904/mo
Deposit HK$3.90M · loan HK$35.14M · min. income ≈ HK$375,792/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,210 · Scale 2, in force from 26 Feb 2026)