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$89,733
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$92,524
−HK$2,836/mo
Today · 4.125%
HK$95,360
baseline
▲ 0.50% · 4.625%
HK$101,163
+HK$5,803/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$190,720/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,827
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,504
−HK$2,717/mo
Today · 4.125%
HK$105,221
baseline
▲ 0.50% · 4.625%
HK$110,767
+HK$5,546/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$210,442/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,680
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$111,029
−HK$3,403/mo
Today · 4.125%
HK$114,432
baseline
▲ 0.50% · 4.625%
HK$121,395
+HK$6,963/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$228,864/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,672,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,793
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$123,005
−HK$3,260/mo
Today · 4.125%
HK$126,265
baseline
▲ 0.50% · 4.625%
HK$132,920
+HK$6,655/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$252,530/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,672,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,626
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$129,534
−HK$3,970/mo
Today · 4.125%
HK$133,504
baseline
▲ 0.50% · 4.625%
HK$141,628
+HK$8,124/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$267,008/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,758
−HK$7,551/mo
▼ 0.25% · 3.875%
HK$143,506
−HK$3,803/mo
Today · 4.125%
HK$147,309
baseline
▲ 0.50% · 4.625%
HK$155,074
+HK$7,765/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$294,618/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,520
−HK$10,128/mo
▼ 0.25% · 3.875%
HK$166,544
−HK$5,104/mo
Today · 4.125%
HK$171,648
baseline
▲ 0.50% · 4.625%
HK$182,093
+HK$10,445/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$343,296/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,689
−HK$9,708/mo
▼ 0.25% · 3.875%
HK$184,508
−HK$4,889/mo
Today · 4.125%
HK$189,397
baseline
▲ 0.50% · 4.625%
HK$199,380
+HK$9,983/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$378,794/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,469 · Scale 2, in force from 26 Feb 2026)