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$89,228
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$92,004
−HK$2,820/mo
Today · 4.125%
HK$94,824
baseline
▲ 0.50% · 4.625%
HK$100,593
+HK$5,769/mo
Deposit HK$19.57M · loan HK$19.57M · min. income ≈ HK$189,648/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,663,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,265
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$101,928
−HK$2,701/mo
Today · 4.125%
HK$104,629
baseline
▲ 0.50% · 4.625%
HK$110,144
+HK$5,515/mo
Deposit HK$19.57M · loan HK$19.57M · min. income ≈ HK$209,258/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,663,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,074
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$110,404
−HK$3,384/mo
Today · 4.125%
HK$113,788
baseline
▲ 0.50% · 4.625%
HK$120,712
+HK$6,924/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$227,576/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,663,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,119
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$122,313
−HK$3,241/mo
Today · 4.125%
HK$125,554
baseline
▲ 0.50% · 4.625%
HK$132,172
+HK$6,618/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$251,108/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,663,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,920
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$128,805
−HK$3,948/mo
Today · 4.125%
HK$132,753
baseline
▲ 0.50% · 4.625%
HK$140,831
+HK$8,078/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$265,506/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,663,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,972
−HK$7,508/mo
▼ 0.25% · 3.875%
HK$142,699
−HK$3,781/mo
Today · 4.125%
HK$146,480
baseline
▲ 0.50% · 4.625%
HK$154,201
+HK$7,721/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$292,960/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,663,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,611
−HK$10,071/mo
▼ 0.25% · 3.875%
HK$165,607
−HK$5,075/mo
Today · 4.125%
HK$170,682
baseline
▲ 0.50% · 4.625%
HK$181,068
+HK$10,386/mo
Deposit HK$3.91M · loan HK$35.22M · min. income ≈ HK$341,364/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,678
−HK$9,653/mo
▼ 0.25% · 3.875%
HK$183,470
−HK$4,861/mo
Today · 4.125%
HK$188,331
baseline
▲ 0.50% · 4.625%
HK$198,259
+HK$9,928/mo
Deposit HK$3.91M · loan HK$35.22M · min. income ≈ HK$376,662/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,059 · Scale 2, in force from 26 Feb 2026)