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$89,921
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$92,718
−HK$2,842/mo
Today · 4.125%
HK$95,560
baseline
▲ 0.50% · 4.625%
HK$101,374
+HK$5,814/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$191,120/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,675,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,036
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$102,719
−HK$2,721/mo
Today · 4.125%
HK$105,440
baseline
▲ 0.50% · 4.625%
HK$110,998
+HK$5,558/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$210,880/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,675,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,905
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$111,261
−HK$3,410/mo
Today · 4.125%
HK$114,671
baseline
▲ 0.50% · 4.625%
HK$121,649
+HK$6,978/mo
Deposit HK$15.77M · loan HK$23.66M · min. income ≈ HK$229,342/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,675,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,043
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$123,263
−HK$3,266/mo
Today · 4.125%
HK$126,529
baseline
▲ 0.50% · 4.625%
HK$133,198
+HK$6,669/mo
Deposit HK$15.77M · loan HK$23.66M · min. income ≈ HK$253,058/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,675,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,889
−HK$7,894/mo
▼ 0.25% · 3.875%
HK$129,805
−HK$3,978/mo
Today · 4.125%
HK$133,783
baseline
▲ 0.50% · 4.625%
HK$141,924
+HK$8,141/mo
Deposit HK$11.83M · loan HK$27.60M · min. income ≈ HK$267,566/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,675,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,050
−HK$7,567/mo
▼ 0.25% · 3.875%
HK$143,806
−HK$3,811/mo
Today · 4.125%
HK$147,617
baseline
▲ 0.50% · 4.625%
HK$155,398
+HK$7,781/mo
Deposit HK$11.83M · loan HK$27.60M · min. income ≈ HK$295,234/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,675,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,857
−HK$10,150/mo
▼ 0.25% · 3.875%
HK$166,892
−HK$5,115/mo
Today · 4.125%
HK$172,007
baseline
▲ 0.50% · 4.625%
HK$182,473
+HK$10,466/mo
Deposit HK$3.94M · loan HK$35.49M · min. income ≈ HK$344,014/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,065
−HK$9,728/mo
▼ 0.25% · 3.875%
HK$184,894
−HK$4,899/mo
Today · 4.125%
HK$189,793
baseline
▲ 0.50% · 4.625%
HK$199,797
+HK$10,004/mo
Deposit HK$3.94M · loan HK$35.49M · min. income ≈ HK$379,586/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,965 · Scale 2, in force from 26 Feb 2026)