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$90,397
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$93,209
−HK$2,856/mo
Today · 4.125%
HK$96,065
baseline
▲ 0.50% · 4.625%
HK$101,911
+HK$5,846/mo
Deposit HK$19.82M · loan HK$19.82M · min. income ≈ HK$192,130/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$1,684,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,565
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$103,263
−HK$2,736/mo
Today · 4.125%
HK$105,999
baseline
▲ 0.50% · 4.625%
HK$111,586
+HK$5,587/mo
Deposit HK$19.82M · loan HK$19.82M · min. income ≈ HK$211,998/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$1,684,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,476
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$111,850
−HK$3,429/mo
Today · 4.125%
HK$115,279
baseline
▲ 0.50% · 4.625%
HK$122,293
+HK$7,014/mo
Deposit HK$15.86M · loan HK$23.79M · min. income ≈ HK$230,558/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,684,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,679
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$123,915
−HK$3,283/mo
Today · 4.125%
HK$127,198
baseline
▲ 0.50% · 4.625%
HK$133,903
+HK$6,705/mo
Deposit HK$15.86M · loan HK$23.79M · min. income ≈ HK$254,396/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,684,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,555
−HK$7,937/mo
▼ 0.25% · 3.875%
HK$130,492
−HK$4,000/mo
Today · 4.125%
HK$134,492
baseline
▲ 0.50% · 4.625%
HK$142,675
+HK$8,183/mo
Deposit HK$11.89M · loan HK$27.75M · min. income ≈ HK$268,984/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,684,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,792
−HK$7,606/mo
▼ 0.25% · 3.875%
HK$144,568
−HK$3,830/mo
Today · 4.125%
HK$148,398
baseline
▲ 0.50% · 4.625%
HK$156,221
+HK$7,823/mo
Deposit HK$11.89M · loan HK$27.75M · min. income ≈ HK$296,796/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,684,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,714
−HK$10,204/mo
▼ 0.25% · 3.875%
HK$167,776
−HK$5,142/mo
Today · 4.125%
HK$172,918
baseline
▲ 0.50% · 4.625%
HK$183,439
+HK$10,521/mo
Deposit HK$3.96M · loan HK$35.68M · min. income ≈ HK$345,836/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,684,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,018
−HK$9,780/mo
▼ 0.25% · 3.875%
HK$185,873
−HK$4,925/mo
Today · 4.125%
HK$190,798
baseline
▲ 0.50% · 4.625%
HK$200,855
+HK$10,057/mo
Deposit HK$3.96M · loan HK$35.68M · min. income ≈ HK$381,596/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,684,838 · Scale 2, in force from 26 Feb 2026)