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$90,113
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$92,916
−HK$2,848/mo
Today · 4.125%
HK$95,764
baseline
▲ 0.50% · 4.625%
HK$101,591
+HK$5,827/mo
Deposit HK$19.76M · loan HK$19.76M · min. income ≈ HK$191,528/mo (50% DSR)
Upfront cash ≈ HK$21.44M (deposit + AVD stamp duty HK$1,679,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,249
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$102,938
−HK$2,728/mo
Today · 4.125%
HK$105,666
baseline
▲ 0.50% · 4.625%
HK$111,235
+HK$5,569/mo
Deposit HK$19.76M · loan HK$19.76M · min. income ≈ HK$211,332/mo (50% DSR)
Upfront cash ≈ HK$21.44M (deposit + AVD stamp duty HK$1,679,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,135
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$111,499
−HK$3,417/mo
Today · 4.125%
HK$114,916
baseline
▲ 0.50% · 4.625%
HK$121,909
+HK$6,993/mo
Deposit HK$15.81M · loan HK$23.71M · min. income ≈ HK$229,832/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,679,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,299
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$123,526
−HK$3,273/mo
Today · 4.125%
HK$126,799
baseline
▲ 0.50% · 4.625%
HK$133,482
+HK$6,683/mo
Deposit HK$15.81M · loan HK$23.71M · min. income ≈ HK$253,598/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,679,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,158
−HK$7,911/mo
▼ 0.25% · 3.875%
HK$130,082
−HK$3,987/mo
Today · 4.125%
HK$134,069
baseline
▲ 0.50% · 4.625%
HK$142,227
+HK$8,158/mo
Deposit HK$11.86M · loan HK$27.66M · min. income ≈ HK$268,138/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,679,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,349
−HK$7,583/mo
▼ 0.25% · 3.875%
HK$144,113
−HK$3,819/mo
Today · 4.125%
HK$147,932
baseline
▲ 0.50% · 4.625%
HK$155,730
+HK$7,798/mo
Deposit HK$11.86M · loan HK$27.66M · min. income ≈ HK$295,864/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,679,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,203
−HK$10,171/mo
▼ 0.25% · 3.875%
HK$167,248
−HK$5,126/mo
Today · 4.125%
HK$172,374
baseline
▲ 0.50% · 4.625%
HK$182,863
+HK$10,489/mo
Deposit HK$3.95M · loan HK$35.57M · min. income ≈ HK$344,748/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,679,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,449
−HK$9,749/mo
▼ 0.25% · 3.875%
HK$185,289
−HK$4,909/mo
Today · 4.125%
HK$190,198
baseline
▲ 0.50% · 4.625%
HK$200,224
+HK$10,026/mo
Deposit HK$3.95M · loan HK$35.57M · min. income ≈ HK$380,396/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,679,543 · Scale 2, in force from 26 Feb 2026)