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$89,662
−HK$5,623/mo
▼ 0.25% · 3.875%
HK$92,451
−HK$2,834/mo
Today · 4.125%
HK$95,285
baseline
▲ 0.50% · 4.625%
HK$101,083
+HK$5,798/mo
Deposit HK$19.66M · loan HK$19.66M · min. income ≈ HK$190,570/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$1,671,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,748
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$102,423
−HK$2,714/mo
Today · 4.125%
HK$105,137
baseline
▲ 0.50% · 4.625%
HK$110,679
+HK$5,542/mo
Deposit HK$19.66M · loan HK$19.66M · min. income ≈ HK$210,274/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$1,671,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,594
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$110,941
−HK$3,401/mo
Today · 4.125%
HK$114,342
baseline
▲ 0.50% · 4.625%
HK$121,299
+HK$6,957/mo
Deposit HK$15.73M · loan HK$23.59M · min. income ≈ HK$228,684/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,671,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,698
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$122,908
−HK$3,257/mo
Today · 4.125%
HK$126,165
baseline
▲ 0.50% · 4.625%
HK$132,815
+HK$6,650/mo
Deposit HK$15.73M · loan HK$23.59M · min. income ≈ HK$252,330/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,671,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,527
−HK$7,872/mo
▼ 0.25% · 3.875%
HK$129,432
−HK$3,967/mo
Today · 4.125%
HK$133,399
baseline
▲ 0.50% · 4.625%
HK$141,516
+HK$8,117/mo
Deposit HK$11.80M · loan HK$27.52M · min. income ≈ HK$266,798/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,671,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,647
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$143,393
−HK$3,799/mo
Today · 4.125%
HK$147,192
baseline
▲ 0.50% · 4.625%
HK$154,951
+HK$7,759/mo
Deposit HK$11.80M · loan HK$27.52M · min. income ≈ HK$294,384/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,671,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,392
−HK$10,120/mo
▼ 0.25% · 3.875%
HK$166,412
−HK$5,100/mo
Today · 4.125%
HK$171,512
baseline
▲ 0.50% · 4.625%
HK$181,949
+HK$10,437/mo
Deposit HK$3.93M · loan HK$35.39M · min. income ≈ HK$343,024/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,671,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,547
−HK$9,700/mo
▼ 0.25% · 3.875%
HK$184,362
−HK$4,885/mo
Today · 4.125%
HK$189,247
baseline
▲ 0.50% · 4.625%
HK$199,223
+HK$9,976/mo
Deposit HK$3.93M · loan HK$35.39M · min. income ≈ HK$378,494/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,671,145 · Scale 2, in force from 26 Feb 2026)