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$89,234
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$92,010
−HK$2,820/mo
Today · 4.125%
HK$94,830
baseline
▲ 0.50% · 4.625%
HK$100,600
+HK$5,770/mo
Deposit HK$19.57M · loan HK$19.57M · min. income ≈ HK$189,660/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,663,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,272
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,934
−HK$2,701/mo
Today · 4.125%
HK$104,635
baseline
▲ 0.50% · 4.625%
HK$110,151
+HK$5,516/mo
Deposit HK$19.57M · loan HK$19.57M · min. income ≈ HK$209,270/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,663,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,081
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$110,411
−HK$3,385/mo
Today · 4.125%
HK$113,796
baseline
▲ 0.50% · 4.625%
HK$120,720
+HK$6,924/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$227,592/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,663,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,126
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$122,321
−HK$3,241/mo
Today · 4.125%
HK$125,562
baseline
▲ 0.50% · 4.625%
HK$132,181
+HK$6,619/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$251,124/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,663,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,927
−HK$7,835/mo
▼ 0.25% · 3.875%
HK$128,813
−HK$3,949/mo
Today · 4.125%
HK$132,762
baseline
▲ 0.50% · 4.625%
HK$140,840
+HK$8,078/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$265,524/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,663,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,981
−HK$7,508/mo
▼ 0.25% · 3.875%
HK$142,708
−HK$3,781/mo
Today · 4.125%
HK$146,489
baseline
▲ 0.50% · 4.625%
HK$154,211
+HK$7,722/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$292,978/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,663,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,621
−HK$10,072/mo
▼ 0.25% · 3.875%
HK$165,617
−HK$5,076/mo
Today · 4.125%
HK$170,693
baseline
▲ 0.50% · 4.625%
HK$181,080
+HK$10,387/mo
Deposit HK$3.91M · loan HK$35.22M · min. income ≈ HK$341,386/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,689
−HK$9,654/mo
▼ 0.25% · 3.875%
HK$183,482
−HK$4,861/mo
Today · 4.125%
HK$188,343
baseline
▲ 0.50% · 4.625%
HK$198,271
+HK$9,928/mo
Deposit HK$3.91M · loan HK$35.22M · min. income ≈ HK$376,686/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,165 · Scale 2, in force from 26 Feb 2026)