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$89,513
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$92,297
−HK$2,829/mo
Today · 4.125%
HK$95,126
baseline
▲ 0.50% · 4.625%
HK$100,914
+HK$5,788/mo
Deposit HK$19.63M · loan HK$19.63M · min. income ≈ HK$190,252/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$1,668,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,582
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$102,253
−HK$2,709/mo
Today · 4.125%
HK$104,962
baseline
▲ 0.50% · 4.625%
HK$110,495
+HK$5,533/mo
Deposit HK$19.63M · loan HK$19.63M · min. income ≈ HK$209,924/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$1,668,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,415
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$110,756
−HK$3,395/mo
Today · 4.125%
HK$114,151
baseline
▲ 0.50% · 4.625%
HK$121,097
+HK$6,946/mo
Deposit HK$15.70M · loan HK$23.55M · min. income ≈ HK$228,302/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,668,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,498
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$122,703
−HK$3,251/mo
Today · 4.125%
HK$125,954
baseline
▲ 0.50% · 4.625%
HK$132,594
+HK$6,640/mo
Deposit HK$15.70M · loan HK$23.55M · min. income ≈ HK$251,908/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,668,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,318
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$129,216
−HK$3,960/mo
Today · 4.125%
HK$133,176
baseline
▲ 0.50% · 4.625%
HK$141,280
+HK$8,104/mo
Deposit HK$11.78M · loan HK$27.48M · min. income ≈ HK$266,352/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,668,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,415
−HK$7,532/mo
▼ 0.25% · 3.875%
HK$143,154
−HK$3,793/mo
Today · 4.125%
HK$146,947
baseline
▲ 0.50% · 4.625%
HK$154,693
+HK$7,746/mo
Deposit HK$11.78M · loan HK$27.48M · min. income ≈ HK$293,894/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,668,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,123
−HK$10,104/mo
▼ 0.25% · 3.875%
HK$166,135
−HK$5,092/mo
Today · 4.125%
HK$171,227
baseline
▲ 0.50% · 4.625%
HK$181,645
+HK$10,418/mo
Deposit HK$3.93M · loan HK$35.33M · min. income ≈ HK$342,454/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,668,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,247
−HK$9,685/mo
▼ 0.25% · 3.875%
HK$184,055
−HK$4,877/mo
Today · 4.125%
HK$188,932
baseline
▲ 0.50% · 4.625%
HK$198,890
+HK$9,958/mo
Deposit HK$3.93M · loan HK$35.33M · min. income ≈ HK$377,864/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,668,360 · Scale 2, in force from 26 Feb 2026)