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$89,624
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$92,412
−HK$2,832/mo
Today · 4.125%
HK$95,244
baseline
▲ 0.50% · 4.625%
HK$101,040
+HK$5,796/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$190,488/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,670,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,706
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$102,380
−HK$2,713/mo
Today · 4.125%
HK$105,093
baseline
▲ 0.50% · 4.625%
HK$110,632
+HK$5,539/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$210,186/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,670,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,549
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$110,894
−HK$3,399/mo
Today · 4.125%
HK$114,293
baseline
▲ 0.50% · 4.625%
HK$121,248
+HK$6,955/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$228,586/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,670,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,647
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$122,856
−HK$3,255/mo
Today · 4.125%
HK$126,111
baseline
▲ 0.50% · 4.625%
HK$132,759
+HK$6,648/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$252,222/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,670,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,474
−HK$7,868/mo
▼ 0.25% · 3.875%
HK$129,377
−HK$3,965/mo
Today · 4.125%
HK$133,342
baseline
▲ 0.50% · 4.625%
HK$141,456
+HK$8,114/mo
Deposit HK$11.79M · loan HK$27.51M · min. income ≈ HK$266,684/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,588
−HK$7,542/mo
▼ 0.25% · 3.875%
HK$143,332
−HK$3,798/mo
Today · 4.125%
HK$147,130
baseline
▲ 0.50% · 4.625%
HK$154,885
+HK$7,755/mo
Deposit HK$11.79M · loan HK$27.51M · min. income ≈ HK$294,260/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,324
−HK$10,116/mo
▼ 0.25% · 3.875%
HK$166,342
−HK$5,098/mo
Today · 4.125%
HK$171,440
baseline
▲ 0.50% · 4.625%
HK$181,872
+HK$10,432/mo
Deposit HK$3.93M · loan HK$35.37M · min. income ≈ HK$342,880/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,471
−HK$9,696/mo
▼ 0.25% · 3.875%
HK$184,284
−HK$4,883/mo
Today · 4.125%
HK$189,167
baseline
▲ 0.50% · 4.625%
HK$199,138
+HK$9,971/mo
Deposit HK$3.93M · loan HK$35.37M · min. income ≈ HK$378,334/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,439 · Scale 2, in force from 26 Feb 2026)