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$90,330
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$93,139
−HK$2,855/mo
Today · 4.125%
HK$95,994
baseline
▲ 0.50% · 4.625%
HK$101,835
+HK$5,841/mo
Deposit HK$19.81M · loan HK$19.81M · min. income ≈ HK$191,988/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,491
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$103,186
−HK$2,734/mo
Today · 4.125%
HK$105,920
baseline
▲ 0.50% · 4.625%
HK$111,503
+HK$5,583/mo
Deposit HK$19.81M · loan HK$19.81M · min. income ≈ HK$211,840/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,395
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$111,767
−HK$3,426/mo
Today · 4.125%
HK$115,193
baseline
▲ 0.50% · 4.625%
HK$122,202
+HK$7,009/mo
Deposit HK$15.85M · loan HK$23.77M · min. income ≈ HK$230,386/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,589
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$123,823
−HK$3,281/mo
Today · 4.125%
HK$127,104
baseline
▲ 0.50% · 4.625%
HK$133,804
+HK$6,700/mo
Deposit HK$15.85M · loan HK$23.77M · min. income ≈ HK$254,208/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,461
−HK$7,931/mo
▼ 0.25% · 3.875%
HK$130,395
−HK$3,997/mo
Today · 4.125%
HK$134,392
baseline
▲ 0.50% · 4.625%
HK$142,569
+HK$8,177/mo
Deposit HK$11.88M · loan HK$27.73M · min. income ≈ HK$268,784/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,683,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,687
−HK$7,601/mo
▼ 0.25% · 3.875%
HK$144,460
−HK$3,828/mo
Today · 4.125%
HK$148,288
baseline
▲ 0.50% · 4.625%
HK$156,104
+HK$7,816/mo
Deposit HK$11.88M · loan HK$27.73M · min. income ≈ HK$296,576/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,683,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,593
−HK$10,196/mo
▼ 0.25% · 3.875%
HK$167,651
−HK$5,138/mo
Today · 4.125%
HK$172,789
baseline
▲ 0.50% · 4.625%
HK$183,303
+HK$10,514/mo
Deposit HK$3.96M · loan HK$35.65M · min. income ≈ HK$345,578/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,683,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,883
−HK$9,773/mo
▼ 0.25% · 3.875%
HK$185,734
−HK$4,922/mo
Today · 4.125%
HK$190,656
baseline
▲ 0.50% · 4.625%
HK$200,706
+HK$10,050/mo
Deposit HK$3.96M · loan HK$35.65M · min. income ≈ HK$381,312/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,683,586 · Scale 2, in force from 26 Feb 2026)