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$89,223
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$91,998
−HK$2,820/mo
Today · 4.125%
HK$94,818
baseline
▲ 0.50% · 4.625%
HK$100,588
+HK$5,770/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$189,636/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,662,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,260
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$101,922
−HK$2,700/mo
Today · 4.125%
HK$104,622
baseline
▲ 0.50% · 4.625%
HK$110,137
+HK$5,515/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$209,244/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,662,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,068
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$110,398
−HK$3,384/mo
Today · 4.125%
HK$113,782
baseline
▲ 0.50% · 4.625%
HK$120,705
+HK$6,923/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$227,564/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,112
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$122,306
−HK$3,241/mo
Today · 4.125%
HK$125,547
baseline
▲ 0.50% · 4.625%
HK$132,165
+HK$6,618/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$251,094/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,912
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$128,798
−HK$3,947/mo
Today · 4.125%
HK$132,745
baseline
▲ 0.50% · 4.625%
HK$140,823
+HK$8,078/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$265,490/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,964
−HK$7,507/mo
▼ 0.25% · 3.875%
HK$142,691
−HK$3,780/mo
Today · 4.125%
HK$146,471
baseline
▲ 0.50% · 4.625%
HK$154,192
+HK$7,721/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$292,942/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,601
−HK$10,072/mo
▼ 0.25% · 3.875%
HK$165,597
−HK$5,076/mo
Today · 4.125%
HK$170,673
baseline
▲ 0.50% · 4.625%
HK$181,058
+HK$10,385/mo
Deposit HK$3.91M · loan HK$35.22M · min. income ≈ HK$341,346/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,662,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,668
−HK$9,652/mo
▼ 0.25% · 3.875%
HK$183,459
−HK$4,861/mo
Today · 4.125%
HK$188,320
baseline
▲ 0.50% · 4.625%
HK$198,247
+HK$9,927/mo
Deposit HK$3.91M · loan HK$35.22M · min. income ≈ HK$376,640/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,662,962 · Scale 2, in force from 26 Feb 2026)