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$89,920
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$92,717
−HK$2,841/mo
Today · 4.125%
HK$95,558
baseline
▲ 0.50% · 4.625%
HK$101,373
+HK$5,815/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$191,116/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,675,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,035
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$102,717
−HK$2,722/mo
Today · 4.125%
HK$105,439
baseline
▲ 0.50% · 4.625%
HK$110,997
+HK$5,558/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$210,878/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,675,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,903
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$111,260
−HK$3,410/mo
Today · 4.125%
HK$114,670
baseline
▲ 0.50% · 4.625%
HK$121,647
+HK$6,977/mo
Deposit HK$15.77M · loan HK$23.66M · min. income ≈ HK$229,340/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,675,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,041
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$123,261
−HK$3,266/mo
Today · 4.125%
HK$126,527
baseline
▲ 0.50% · 4.625%
HK$133,196
+HK$6,669/mo
Deposit HK$15.77M · loan HK$23.66M · min. income ≈ HK$253,054/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,675,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,887
−HK$7,895/mo
▼ 0.25% · 3.875%
HK$129,803
−HK$3,979/mo
Today · 4.125%
HK$133,782
baseline
▲ 0.50% · 4.625%
HK$141,922
+HK$8,140/mo
Deposit HK$11.83M · loan HK$27.60M · min. income ≈ HK$267,564/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,675,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,048
−HK$7,567/mo
▼ 0.25% · 3.875%
HK$143,804
−HK$3,811/mo
Today · 4.125%
HK$147,615
baseline
▲ 0.50% · 4.625%
HK$155,396
+HK$7,781/mo
Deposit HK$11.83M · loan HK$27.60M · min. income ≈ HK$295,230/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,675,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,855
−HK$10,150/mo
▼ 0.25% · 3.875%
HK$166,890
−HK$5,115/mo
Today · 4.125%
HK$172,005
baseline
▲ 0.50% · 4.625%
HK$182,471
+HK$10,466/mo
Deposit HK$3.94M · loan HK$35.49M · min. income ≈ HK$344,010/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,062
−HK$9,728/mo
▼ 0.25% · 3.875%
HK$184,891
−HK$4,899/mo
Today · 4.125%
HK$189,790
baseline
▲ 0.50% · 4.625%
HK$199,795
+HK$10,005/mo
Deposit HK$3.94M · loan HK$35.49M · min. income ≈ HK$379,580/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,943 · Scale 2, in force from 26 Feb 2026)