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$89,551
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$92,337
−HK$2,830/mo
Today · 4.125%
HK$95,167
baseline
▲ 0.50% · 4.625%
HK$100,958
+HK$5,791/mo
Deposit HK$19.64M · loan HK$19.64M · min. income ≈ HK$190,334/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$1,669,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,625
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$102,297
−HK$2,710/mo
Today · 4.125%
HK$105,007
baseline
▲ 0.50% · 4.625%
HK$110,542
+HK$5,535/mo
Deposit HK$19.64M · loan HK$19.64M · min. income ≈ HK$210,014/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$1,669,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,461
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$110,804
−HK$3,396/mo
Today · 4.125%
HK$114,200
baseline
▲ 0.50% · 4.625%
HK$121,149
+HK$6,949/mo
Deposit HK$15.71M · loan HK$23.56M · min. income ≈ HK$228,400/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,669,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,550
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$122,756
−HK$3,253/mo
Today · 4.125%
HK$126,009
baseline
▲ 0.50% · 4.625%
HK$132,651
+HK$6,642/mo
Deposit HK$15.71M · loan HK$23.56M · min. income ≈ HK$252,018/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,669,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,372
−HK$7,862/mo
▼ 0.25% · 3.875%
HK$129,272
−HK$3,962/mo
Today · 4.125%
HK$133,234
baseline
▲ 0.50% · 4.625%
HK$141,341
+HK$8,107/mo
Deposit HK$11.78M · loan HK$27.49M · min. income ≈ HK$266,468/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,669,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,475
−HK$7,535/mo
▼ 0.25% · 3.875%
HK$143,215
−HK$3,795/mo
Today · 4.125%
HK$147,010
baseline
▲ 0.50% · 4.625%
HK$154,759
+HK$7,749/mo
Deposit HK$11.78M · loan HK$27.49M · min. income ≈ HK$294,020/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,669,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,192
−HK$10,108/mo
▼ 0.25% · 3.875%
HK$166,206
−HK$5,094/mo
Today · 4.125%
HK$171,300
baseline
▲ 0.50% · 4.625%
HK$181,724
+HK$10,424/mo
Deposit HK$3.93M · loan HK$35.35M · min. income ≈ HK$342,600/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,669,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,325
−HK$9,688/mo
▼ 0.25% · 3.875%
HK$184,134
−HK$4,879/mo
Today · 4.125%
HK$189,013
baseline
▲ 0.50% · 4.625%
HK$198,976
+HK$9,963/mo
Deposit HK$3.93M · loan HK$35.35M · min. income ≈ HK$378,026/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,669,079 · Scale 2, in force from 26 Feb 2026)