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$90,381
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$93,192
−HK$2,856/mo
Today · 4.125%
HK$96,048
baseline
▲ 0.50% · 4.625%
HK$101,893
+HK$5,845/mo
Deposit HK$19.82M · loan HK$19.82M · min. income ≈ HK$192,096/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$1,684,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,548
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$103,244
−HK$2,736/mo
Today · 4.125%
HK$105,980
baseline
▲ 0.50% · 4.625%
HK$111,566
+HK$5,586/mo
Deposit HK$19.82M · loan HK$19.82M · min. income ≈ HK$211,960/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$1,684,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,457
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$111,830
−HK$3,428/mo
Today · 4.125%
HK$115,258
baseline
▲ 0.50% · 4.625%
HK$122,271
+HK$7,013/mo
Deposit HK$15.85M · loan HK$23.78M · min. income ≈ HK$230,516/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,684,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,657
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$123,893
−HK$3,283/mo
Today · 4.125%
HK$127,176
baseline
▲ 0.50% · 4.625%
HK$133,880
+HK$6,704/mo
Deposit HK$15.85M · loan HK$23.78M · min. income ≈ HK$254,352/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,684,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,533
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$130,469
−HK$3,999/mo
Today · 4.125%
HK$134,468
baseline
▲ 0.50% · 4.625%
HK$142,650
+HK$8,182/mo
Deposit HK$11.89M · loan HK$27.75M · min. income ≈ HK$268,936/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,684,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,767
−HK$7,605/mo
▼ 0.25% · 3.875%
HK$144,542
−HK$3,830/mo
Today · 4.125%
HK$148,372
baseline
▲ 0.50% · 4.625%
HK$156,193
+HK$7,821/mo
Deposit HK$11.89M · loan HK$27.75M · min. income ≈ HK$296,744/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,684,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,685
−HK$10,202/mo
▼ 0.25% · 3.875%
HK$167,746
−HK$5,141/mo
Today · 4.125%
HK$172,887
baseline
▲ 0.50% · 4.625%
HK$183,407
+HK$10,520/mo
Deposit HK$3.96M · loan HK$35.67M · min. income ≈ HK$345,774/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,684,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,986
−HK$9,778/mo
▼ 0.25% · 3.875%
HK$185,840
−HK$4,924/mo
Today · 4.125%
HK$190,764
baseline
▲ 0.50% · 4.625%
HK$200,819
+HK$10,055/mo
Deposit HK$3.96M · loan HK$35.67M · min. income ≈ HK$381,528/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,684,539 · Scale 2, in force from 26 Feb 2026)