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$89,388
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$92,169
−HK$2,825/mo
Today · 4.125%
HK$94,994
baseline
▲ 0.50% · 4.625%
HK$100,774
+HK$5,780/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$189,988/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,444
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$102,111
−HK$2,705/mo
Today · 4.125%
HK$104,816
baseline
▲ 0.50% · 4.625%
HK$110,341
+HK$5,525/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$209,632/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,266
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$110,603
−HK$3,389/mo
Today · 4.125%
HK$113,992
baseline
▲ 0.50% · 4.625%
HK$120,929
+HK$6,937/mo
Deposit HK$15.68M · loan HK$23.52M · min. income ≈ HK$227,984/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,332
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,533
−HK$3,246/mo
Today · 4.125%
HK$125,779
baseline
▲ 0.50% · 4.625%
HK$132,409
+HK$6,630/mo
Deposit HK$15.68M · loan HK$23.52M · min. income ≈ HK$251,558/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,144
−HK$7,847/mo
▼ 0.25% · 3.875%
HK$129,036
−HK$3,955/mo
Today · 4.125%
HK$132,991
baseline
▲ 0.50% · 4.625%
HK$141,083
+HK$8,092/mo
Deposit HK$11.76M · loan HK$27.44M · min. income ≈ HK$265,982/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,221
−HK$7,522/mo
▼ 0.25% · 3.875%
HK$142,955
−HK$3,788/mo
Today · 4.125%
HK$146,743
baseline
▲ 0.50% · 4.625%
HK$154,478
+HK$7,735/mo
Deposit HK$11.76M · loan HK$27.44M · min. income ≈ HK$293,486/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,899
−HK$10,090/mo
▼ 0.25% · 3.875%
HK$165,904
−HK$5,085/mo
Today · 4.125%
HK$170,989
baseline
▲ 0.50% · 4.625%
HK$181,393
+HK$10,404/mo
Deposit HK$3.92M · loan HK$35.28M · min. income ≈ HK$341,978/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,998
−HK$9,671/mo
▼ 0.25% · 3.875%
HK$183,799
−HK$4,870/mo
Today · 4.125%
HK$188,669
baseline
▲ 0.50% · 4.625%
HK$198,614
+HK$9,945/mo
Deposit HK$3.92M · loan HK$35.28M · min. income ≈ HK$377,338/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,043 · Scale 2, in force from 26 Feb 2026)