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$89,523
−HK$5,614/mo
▼ 0.25% · 3.875%
HK$92,308
−HK$2,829/mo
Today · 4.125%
HK$95,137
baseline
▲ 0.50% · 4.625%
HK$100,926
+HK$5,789/mo
Deposit HK$19.63M · loan HK$19.63M · min. income ≈ HK$190,274/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$1,668,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,594
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$102,265
−HK$2,709/mo
Today · 4.125%
HK$104,974
baseline
▲ 0.50% · 4.625%
HK$110,508
+HK$5,534/mo
Deposit HK$19.63M · loan HK$19.63M · min. income ≈ HK$209,948/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$1,668,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,428
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$110,769
−HK$3,395/mo
Today · 4.125%
HK$114,164
baseline
▲ 0.50% · 4.625%
HK$121,111
+HK$6,947/mo
Deposit HK$15.70M · loan HK$23.56M · min. income ≈ HK$228,328/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,668,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,512
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$122,718
−HK$3,251/mo
Today · 4.125%
HK$125,969
baseline
▲ 0.50% · 4.625%
HK$132,609
+HK$6,640/mo
Deposit HK$15.70M · loan HK$23.56M · min. income ≈ HK$251,938/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,668,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,332
−HK$7,860/mo
▼ 0.25% · 3.875%
HK$129,231
−HK$3,961/mo
Today · 4.125%
HK$133,192
baseline
▲ 0.50% · 4.625%
HK$141,296
+HK$8,104/mo
Deposit HK$11.78M · loan HK$27.48M · min. income ≈ HK$266,384/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,668,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,431
−HK$7,533/mo
▼ 0.25% · 3.875%
HK$143,171
−HK$3,793/mo
Today · 4.125%
HK$146,964
baseline
▲ 0.50% · 4.625%
HK$154,711
+HK$7,747/mo
Deposit HK$11.78M · loan HK$27.48M · min. income ≈ HK$293,928/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,668,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,142
−HK$10,105/mo
▼ 0.25% · 3.875%
HK$166,154
−HK$5,093/mo
Today · 4.125%
HK$171,247
baseline
▲ 0.50% · 4.625%
HK$181,667
+HK$10,420/mo
Deposit HK$3.93M · loan HK$35.33M · min. income ≈ HK$342,494/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,668,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,269
−HK$9,685/mo
▼ 0.25% · 3.875%
HK$184,076
−HK$4,878/mo
Today · 4.125%
HK$188,954
baseline
▲ 0.50% · 4.625%
HK$198,914
+HK$9,960/mo
Deposit HK$3.93M · loan HK$35.33M · min. income ≈ HK$377,908/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,668,556 · Scale 2, in force from 26 Feb 2026)