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$89,797
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$92,590
−HK$2,838/mo
Today · 4.125%
HK$95,428
baseline
▲ 0.50% · 4.625%
HK$101,234
+HK$5,806/mo
Deposit HK$19.69M · loan HK$19.69M · min. income ≈ HK$190,856/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$1,673,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,898
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$102,577
−HK$2,718/mo
Today · 4.125%
HK$105,295
baseline
▲ 0.50% · 4.625%
HK$110,845
+HK$5,550/mo
Deposit HK$19.69M · loan HK$19.69M · min. income ≈ HK$210,590/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$1,673,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,756
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$111,108
−HK$3,405/mo
Today · 4.125%
HK$114,513
baseline
▲ 0.50% · 4.625%
HK$121,481
+HK$6,968/mo
Deposit HK$15.75M · loan HK$23.63M · min. income ≈ HK$229,026/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,673,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,878
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$123,093
−HK$3,261/mo
Today · 4.125%
HK$126,354
baseline
▲ 0.50% · 4.625%
HK$133,015
+HK$6,661/mo
Deposit HK$15.75M · loan HK$23.63M · min. income ≈ HK$252,708/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,673,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,716
−HK$7,883/mo
▼ 0.25% · 3.875%
HK$129,626
−HK$3,973/mo
Today · 4.125%
HK$133,599
baseline
▲ 0.50% · 4.625%
HK$141,728
+HK$8,129/mo
Deposit HK$11.81M · loan HK$27.57M · min. income ≈ HK$267,198/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,673,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,857
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$143,608
−HK$3,805/mo
Today · 4.125%
HK$147,413
baseline
▲ 0.50% · 4.625%
HK$155,184
+HK$7,771/mo
Deposit HK$11.81M · loan HK$27.57M · min. income ≈ HK$294,826/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,673,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,634
−HK$10,136/mo
▼ 0.25% · 3.875%
HK$166,662
−HK$5,108/mo
Today · 4.125%
HK$171,770
baseline
▲ 0.50% · 4.625%
HK$182,222
+HK$10,452/mo
Deposit HK$3.94M · loan HK$35.44M · min. income ≈ HK$343,540/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,673,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,816
−HK$9,715/mo
▼ 0.25% · 3.875%
HK$184,639
−HK$4,892/mo
Today · 4.125%
HK$189,531
baseline
▲ 0.50% · 4.625%
HK$199,522
+HK$9,991/mo
Deposit HK$3.94M · loan HK$35.44M · min. income ≈ HK$379,062/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,673,656 · Scale 2, in force from 26 Feb 2026)