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$89,814
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$92,608
−HK$2,838/mo
Today · 4.125%
HK$95,446
baseline
▲ 0.50% · 4.625%
HK$101,254
+HK$5,808/mo
Deposit HK$19.69M · loan HK$19.69M · min. income ≈ HK$190,892/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,673,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,917
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$102,597
−HK$2,718/mo
Today · 4.125%
HK$105,315
baseline
▲ 0.50% · 4.625%
HK$110,867
+HK$5,552/mo
Deposit HK$19.69M · loan HK$19.69M · min. income ≈ HK$210,630/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,673,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,777
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$111,129
−HK$3,406/mo
Today · 4.125%
HK$114,535
baseline
▲ 0.50% · 4.625%
HK$121,505
+HK$6,970/mo
Deposit HK$15.76M · loan HK$23.63M · min. income ≈ HK$229,070/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,673,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,901
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$123,116
−HK$3,262/mo
Today · 4.125%
HK$126,378
baseline
▲ 0.50% · 4.625%
HK$133,040
+HK$6,662/mo
Deposit HK$15.76M · loan HK$23.63M · min. income ≈ HK$252,756/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,673,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,740
−HK$7,885/mo
▼ 0.25% · 3.875%
HK$129,651
−HK$3,974/mo
Today · 4.125%
HK$133,625
baseline
▲ 0.50% · 4.625%
HK$141,755
+HK$8,130/mo
Deposit HK$11.82M · loan HK$27.57M · min. income ≈ HK$267,250/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,673,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,884
−HK$7,558/mo
▼ 0.25% · 3.875%
HK$143,636
−HK$3,806/mo
Today · 4.125%
HK$147,442
baseline
▲ 0.50% · 4.625%
HK$155,213
+HK$7,771/mo
Deposit HK$11.82M · loan HK$27.57M · min. income ≈ HK$294,884/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,673,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,665
−HK$10,138/mo
▼ 0.25% · 3.875%
HK$166,694
−HK$5,109/mo
Today · 4.125%
HK$171,803
baseline
▲ 0.50% · 4.625%
HK$182,257
+HK$10,454/mo
Deposit HK$3.94M · loan HK$35.45M · min. income ≈ HK$343,606/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,673,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,851
−HK$9,717/mo
▼ 0.25% · 3.875%
HK$184,674
−HK$4,894/mo
Today · 4.125%
HK$189,568
baseline
▲ 0.50% · 4.625%
HK$199,560
+HK$9,992/mo
Deposit HK$3.94M · loan HK$35.45M · min. income ≈ HK$379,136/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,673,976 · Scale 2, in force from 26 Feb 2026)