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$89,117
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,890
−HK$2,816/mo
Today · 4.125%
HK$94,706
baseline
▲ 0.50% · 4.625%
HK$100,469
+HK$5,763/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$189,412/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,142
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,801
−HK$2,698/mo
Today · 4.125%
HK$104,499
baseline
▲ 0.50% · 4.625%
HK$110,007
+HK$5,508/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$208,998/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,941
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$110,267
−HK$3,380/mo
Today · 4.125%
HK$113,647
baseline
▲ 0.50% · 4.625%
HK$120,562
+HK$6,915/mo
Deposit HK$15.63M · loan HK$23.45M · min. income ≈ HK$227,294/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,971
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$122,162
−HK$3,236/mo
Today · 4.125%
HK$125,398
baseline
▲ 0.50% · 4.625%
HK$132,008
+HK$6,610/mo
Deposit HK$15.63M · loan HK$23.45M · min. income ≈ HK$250,796/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,764
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$128,645
−HK$3,943/mo
Today · 4.125%
HK$132,588
baseline
▲ 0.50% · 4.625%
HK$140,656
+HK$8,068/mo
Deposit HK$11.72M · loan HK$27.36M · min. income ≈ HK$265,176/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,660,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,799
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$142,522
−HK$3,776/mo
Today · 4.125%
HK$146,298
baseline
▲ 0.50% · 4.625%
HK$154,010
+HK$7,712/mo
Deposit HK$11.72M · loan HK$27.36M · min. income ≈ HK$292,596/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,660,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,411
−HK$10,060/mo
▼ 0.25% · 3.875%
HK$165,401
−HK$5,070/mo
Today · 4.125%
HK$170,471
baseline
▲ 0.50% · 4.625%
HK$180,843
+HK$10,372/mo
Deposit HK$3.91M · loan HK$35.17M · min. income ≈ HK$340,942/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,456
−HK$9,642/mo
▼ 0.25% · 3.875%
HK$183,242
−HK$4,856/mo
Today · 4.125%
HK$188,098
baseline
▲ 0.50% · 4.625%
HK$198,012
+HK$9,914/mo
Deposit HK$3.91M · loan HK$35.17M · min. income ≈ HK$376,196/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,995 · Scale 2, in force from 26 Feb 2026)