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$90,085
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$92,887
−HK$2,847/mo
Today · 4.125%
HK$95,734
baseline
▲ 0.50% · 4.625%
HK$101,559
+HK$5,825/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$191,468/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$1,679,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,218
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$102,906
−HK$2,727/mo
Today · 4.125%
HK$105,633
baseline
▲ 0.50% · 4.625%
HK$111,201
+HK$5,568/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$211,266/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$1,679,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,102
−HK$6,779/mo
▼ 0.25% · 3.875%
HK$111,464
−HK$3,417/mo
Today · 4.125%
HK$114,881
baseline
▲ 0.50% · 4.625%
HK$121,871
+HK$6,990/mo
Deposit HK$15.80M · loan HK$23.70M · min. income ≈ HK$229,762/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,679,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,262
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$123,488
−HK$3,272/mo
Today · 4.125%
HK$126,760
baseline
▲ 0.50% · 4.625%
HK$133,441
+HK$6,681/mo
Deposit HK$15.80M · loan HK$23.70M · min. income ≈ HK$253,520/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,679,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,119
−HK$7,909/mo
▼ 0.25% · 3.875%
HK$130,042
−HK$3,986/mo
Today · 4.125%
HK$134,028
baseline
▲ 0.50% · 4.625%
HK$142,183
+HK$8,155/mo
Deposit HK$11.85M · loan HK$27.65M · min. income ≈ HK$268,056/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,679,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,306
−HK$7,580/mo
▼ 0.25% · 3.875%
HK$144,069
−HK$3,817/mo
Today · 4.125%
HK$147,886
baseline
▲ 0.50% · 4.625%
HK$155,681
+HK$7,795/mo
Deposit HK$11.85M · loan HK$27.65M · min. income ≈ HK$295,772/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,679,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,153
−HK$10,168/mo
▼ 0.25% · 3.875%
HK$167,197
−HK$5,124/mo
Today · 4.125%
HK$172,321
baseline
▲ 0.50% · 4.625%
HK$182,806
+HK$10,485/mo
Deposit HK$3.95M · loan HK$35.56M · min. income ≈ HK$344,642/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,679,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,393
−HK$9,746/mo
▼ 0.25% · 3.875%
HK$185,231
−HK$4,908/mo
Today · 4.125%
HK$190,139
baseline
▲ 0.50% · 4.625%
HK$200,162
+HK$10,023/mo
Deposit HK$3.95M · loan HK$35.56M · min. income ≈ HK$380,278/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,679,024 · Scale 2, in force from 26 Feb 2026)