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$89,387
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$92,167
−HK$2,825/mo
Today · 4.125%
HK$94,992
baseline
▲ 0.50% · 4.625%
HK$100,772
+HK$5,780/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$189,984/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,442
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$102,109
−HK$2,706/mo
Today · 4.125%
HK$104,815
baseline
▲ 0.50% · 4.625%
HK$110,340
+HK$5,525/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$209,630/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,264
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$110,601
−HK$3,390/mo
Today · 4.125%
HK$113,991
baseline
▲ 0.50% · 4.625%
HK$120,927
+HK$6,936/mo
Deposit HK$15.68M · loan HK$23.52M · min. income ≈ HK$227,982/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,331
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,531
−HK$3,247/mo
Today · 4.125%
HK$125,778
baseline
▲ 0.50% · 4.625%
HK$132,408
+HK$6,630/mo
Deposit HK$15.68M · loan HK$23.52M · min. income ≈ HK$251,556/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,142
−HK$7,847/mo
▼ 0.25% · 3.875%
HK$129,034
−HK$3,955/mo
Today · 4.125%
HK$132,989
baseline
▲ 0.50% · 4.625%
HK$141,081
+HK$8,092/mo
Deposit HK$11.76M · loan HK$27.44M · min. income ≈ HK$265,978/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,219
−HK$7,522/mo
▼ 0.25% · 3.875%
HK$142,953
−HK$3,788/mo
Today · 4.125%
HK$146,741
baseline
▲ 0.50% · 4.625%
HK$154,475
+HK$7,734/mo
Deposit HK$11.76M · loan HK$27.44M · min. income ≈ HK$293,482/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,897
−HK$10,089/mo
▼ 0.25% · 3.875%
HK$165,901
−HK$5,085/mo
Today · 4.125%
HK$170,986
baseline
▲ 0.50% · 4.625%
HK$181,390
+HK$10,404/mo
Deposit HK$3.92M · loan HK$35.28M · min. income ≈ HK$341,972/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,996
−HK$9,670/mo
▼ 0.25% · 3.875%
HK$183,796
−HK$4,870/mo
Today · 4.125%
HK$188,666
baseline
▲ 0.50% · 4.625%
HK$198,611
+HK$9,945/mo
Deposit HK$3.92M · loan HK$35.28M · min. income ≈ HK$377,332/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,018 · Scale 2, in force from 26 Feb 2026)