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$89,562
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$92,348
−HK$2,831/mo
Today · 4.125%
HK$95,179
baseline
▲ 0.50% · 4.625%
HK$100,970
+HK$5,791/mo
Deposit HK$19.64M · loan HK$19.64M · min. income ≈ HK$190,358/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$1,669,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,637
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$102,309
−HK$2,711/mo
Today · 4.125%
HK$105,020
baseline
▲ 0.50% · 4.625%
HK$110,556
+HK$5,536/mo
Deposit HK$19.64M · loan HK$19.64M · min. income ≈ HK$210,040/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$1,669,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,475
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$110,818
−HK$3,396/mo
Today · 4.125%
HK$114,214
baseline
▲ 0.50% · 4.625%
HK$121,164
+HK$6,950/mo
Deposit HK$15.71M · loan HK$23.57M · min. income ≈ HK$228,428/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,669,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,565
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$122,771
−HK$3,253/mo
Today · 4.125%
HK$126,024
baseline
▲ 0.50% · 4.625%
HK$132,667
+HK$6,643/mo
Deposit HK$15.71M · loan HK$23.57M · min. income ≈ HK$252,048/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,669,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,387
−HK$7,863/mo
▼ 0.25% · 3.875%
HK$129,287
−HK$3,963/mo
Today · 4.125%
HK$133,250
baseline
▲ 0.50% · 4.625%
HK$141,358
+HK$8,108/mo
Deposit HK$11.78M · loan HK$27.49M · min. income ≈ HK$266,500/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,669,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,492
−HK$7,536/mo
▼ 0.25% · 3.875%
HK$143,233
−HK$3,795/mo
Today · 4.125%
HK$147,028
baseline
▲ 0.50% · 4.625%
HK$154,778
+HK$7,750/mo
Deposit HK$11.78M · loan HK$27.49M · min. income ≈ HK$294,056/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,669,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,212
−HK$10,110/mo
▼ 0.25% · 3.875%
HK$166,227
−HK$5,095/mo
Today · 4.125%
HK$171,322
baseline
▲ 0.50% · 4.625%
HK$181,746
+HK$10,424/mo
Deposit HK$3.93M · loan HK$35.35M · min. income ≈ HK$342,644/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,669,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,347
−HK$9,689/mo
▼ 0.25% · 3.875%
HK$184,157
−HK$4,879/mo
Today · 4.125%
HK$189,036
baseline
▲ 0.50% · 4.625%
HK$199,001
+HK$9,965/mo
Deposit HK$3.93M · loan HK$35.35M · min. income ≈ HK$378,072/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,669,285 · Scale 2, in force from 26 Feb 2026)