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$89,900
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$92,696
−HK$2,841/mo
Today · 4.125%
HK$95,537
baseline
▲ 0.50% · 4.625%
HK$101,351
+HK$5,814/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$191,074/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,675,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,013
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$102,695
−HK$2,721/mo
Today · 4.125%
HK$105,416
baseline
▲ 0.50% · 4.625%
HK$110,973
+HK$5,557/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$210,832/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,675,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,880
−HK$6,765/mo
▼ 0.25% · 3.875%
HK$111,235
−HK$3,410/mo
Today · 4.125%
HK$114,645
baseline
▲ 0.50% · 4.625%
HK$121,621
+HK$6,976/mo
Deposit HK$15.77M · loan HK$23.66M · min. income ≈ HK$229,290/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,675,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,015
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$123,234
−HK$3,265/mo
Today · 4.125%
HK$126,499
baseline
▲ 0.50% · 4.625%
HK$133,167
+HK$6,668/mo
Deposit HK$15.77M · loan HK$23.66M · min. income ≈ HK$252,998/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,675,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,860
−HK$7,892/mo
▼ 0.25% · 3.875%
HK$129,775
−HK$3,977/mo
Today · 4.125%
HK$133,752
baseline
▲ 0.50% · 4.625%
HK$141,891
+HK$8,139/mo
Deposit HK$11.83M · loan HK$27.60M · min. income ≈ HK$267,504/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,675,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,018
−HK$7,564/mo
▼ 0.25% · 3.875%
HK$143,773
−HK$3,809/mo
Today · 4.125%
HK$147,582
baseline
▲ 0.50% · 4.625%
HK$155,362
+HK$7,780/mo
Deposit HK$11.83M · loan HK$27.60M · min. income ≈ HK$295,164/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,675,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,820
−HK$10,147/mo
▼ 0.25% · 3.875%
HK$166,853
−HK$5,114/mo
Today · 4.125%
HK$171,967
baseline
▲ 0.50% · 4.625%
HK$182,431
+HK$10,464/mo
Deposit HK$3.94M · loan HK$35.48M · min. income ≈ HK$343,934/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,023
−HK$9,726/mo
▼ 0.25% · 3.875%
HK$184,851
−HK$4,898/mo
Today · 4.125%
HK$189,749
baseline
▲ 0.50% · 4.625%
HK$199,751
+HK$10,002/mo
Deposit HK$3.94M · loan HK$35.48M · min. income ≈ HK$379,498/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,576 · Scale 2, in force from 26 Feb 2026)