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$89,508
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$92,292
−HK$2,829/mo
Today · 4.125%
HK$95,121
baseline
▲ 0.50% · 4.625%
HK$100,909
+HK$5,788/mo
Deposit HK$19.63M · loan HK$19.63M · min. income ≈ HK$190,242/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$1,668,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,577
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$102,248
−HK$2,709/mo
Today · 4.125%
HK$104,957
baseline
▲ 0.50% · 4.625%
HK$110,489
+HK$5,532/mo
Deposit HK$19.63M · loan HK$19.63M · min. income ≈ HK$209,914/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$1,668,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,410
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$110,751
−HK$3,394/mo
Today · 4.125%
HK$114,145
baseline
▲ 0.50% · 4.625%
HK$121,091
+HK$6,946/mo
Deposit HK$15.70M · loan HK$23.55M · min. income ≈ HK$228,290/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,668,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,492
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$122,697
−HK$3,251/mo
Today · 4.125%
HK$125,948
baseline
▲ 0.50% · 4.625%
HK$132,587
+HK$6,639/mo
Deposit HK$15.70M · loan HK$23.55M · min. income ≈ HK$251,896/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,668,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,312
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$129,209
−HK$3,961/mo
Today · 4.125%
HK$133,170
baseline
▲ 0.50% · 4.625%
HK$141,273
+HK$8,103/mo
Deposit HK$11.78M · loan HK$27.48M · min. income ≈ HK$266,340/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,668,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,408
−HK$7,532/mo
▼ 0.25% · 3.875%
HK$143,147
−HK$3,793/mo
Today · 4.125%
HK$146,940
baseline
▲ 0.50% · 4.625%
HK$154,685
+HK$7,745/mo
Deposit HK$11.78M · loan HK$27.48M · min. income ≈ HK$293,880/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,668,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,115
−HK$10,103/mo
▼ 0.25% · 3.875%
HK$166,126
−HK$5,092/mo
Today · 4.125%
HK$171,218
baseline
▲ 0.50% · 4.625%
HK$181,636
+HK$10,418/mo
Deposit HK$3.93M · loan HK$35.33M · min. income ≈ HK$342,436/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,668,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,239
−HK$9,683/mo
▼ 0.25% · 3.875%
HK$184,046
−HK$4,876/mo
Today · 4.125%
HK$188,922
baseline
▲ 0.50% · 4.625%
HK$198,881
+HK$9,959/mo
Deposit HK$3.93M · loan HK$35.33M · min. income ≈ HK$377,844/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,668,277 · Scale 2, in force from 26 Feb 2026)