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$90,117
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$92,921
−HK$2,848/mo
Today · 4.125%
HK$95,769
baseline
▲ 0.50% · 4.625%
HK$101,596
+HK$5,827/mo
Deposit HK$19.76M · loan HK$19.76M · min. income ≈ HK$191,538/mo (50% DSR)
Upfront cash ≈ HK$21.44M (deposit + AVD stamp duty HK$1,679,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,255
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$102,944
−HK$2,727/mo
Today · 4.125%
HK$105,671
baseline
▲ 0.50% · 4.625%
HK$111,241
+HK$5,570/mo
Deposit HK$19.76M · loan HK$19.76M · min. income ≈ HK$211,342/mo (50% DSR)
Upfront cash ≈ HK$21.44M (deposit + AVD stamp duty HK$1,679,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,141
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$111,505
−HK$3,417/mo
Today · 4.125%
HK$114,922
baseline
▲ 0.50% · 4.625%
HK$121,915
+HK$6,993/mo
Deposit HK$15.81M · loan HK$23.71M · min. income ≈ HK$229,844/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,679,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,306
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$123,532
−HK$3,273/mo
Today · 4.125%
HK$126,805
baseline
▲ 0.50% · 4.625%
HK$133,490
+HK$6,685/mo
Deposit HK$15.81M · loan HK$23.71M · min. income ≈ HK$253,610/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,679,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,164
−HK$7,912/mo
▼ 0.25% · 3.875%
HK$130,089
−HK$3,987/mo
Today · 4.125%
HK$134,076
baseline
▲ 0.50% · 4.625%
HK$142,234
+HK$8,158/mo
Deposit HK$11.86M · loan HK$27.66M · min. income ≈ HK$268,152/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,679,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,357
−HK$7,583/mo
▼ 0.25% · 3.875%
HK$144,121
−HK$3,819/mo
Today · 4.125%
HK$147,940
baseline
▲ 0.50% · 4.625%
HK$155,738
+HK$7,798/mo
Deposit HK$11.86M · loan HK$27.66M · min. income ≈ HK$295,880/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,679,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,211
−HK$10,172/mo
▼ 0.25% · 3.875%
HK$167,257
−HK$5,126/mo
Today · 4.125%
HK$172,383
baseline
▲ 0.50% · 4.625%
HK$182,873
+HK$10,490/mo
Deposit HK$3.95M · loan HK$35.57M · min. income ≈ HK$344,766/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,679,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,459
−HK$9,749/mo
▼ 0.25% · 3.875%
HK$185,298
−HK$4,910/mo
Today · 4.125%
HK$190,208
baseline
▲ 0.50% · 4.625%
HK$200,234
+HK$10,026/mo
Deposit HK$3.95M · loan HK$35.57M · min. income ≈ HK$380,416/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,679,632 · Scale 2, in force from 26 Feb 2026)