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$90,087
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$92,889
−HK$2,847/mo
Today · 4.125%
HK$95,736
baseline
▲ 0.50% · 4.625%
HK$101,561
+HK$5,825/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$191,472/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$1,679,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,221
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$102,909
−HK$2,726/mo
Today · 4.125%
HK$105,635
baseline
▲ 0.50% · 4.625%
HK$111,203
+HK$5,568/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$211,270/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$1,679,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,104
−HK$6,779/mo
▼ 0.25% · 3.875%
HK$111,467
−HK$3,416/mo
Today · 4.125%
HK$114,883
baseline
▲ 0.50% · 4.625%
HK$121,874
+HK$6,991/mo
Deposit HK$15.80M · loan HK$23.70M · min. income ≈ HK$229,766/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,679,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,265
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$123,490
−HK$3,272/mo
Today · 4.125%
HK$126,762
baseline
▲ 0.50% · 4.625%
HK$133,444
+HK$6,682/mo
Deposit HK$15.80M · loan HK$23.70M · min. income ≈ HK$253,524/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,679,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,122
−HK$7,908/mo
▼ 0.25% · 3.875%
HK$130,045
−HK$3,985/mo
Today · 4.125%
HK$134,030
baseline
▲ 0.50% · 4.625%
HK$142,186
+HK$8,156/mo
Deposit HK$11.85M · loan HK$27.66M · min. income ≈ HK$268,060/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,679,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,309
−HK$7,580/mo
▼ 0.25% · 3.875%
HK$144,072
−HK$3,817/mo
Today · 4.125%
HK$147,889
baseline
▲ 0.50% · 4.625%
HK$155,685
+HK$7,796/mo
Deposit HK$11.85M · loan HK$27.66M · min. income ≈ HK$295,778/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,679,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,156
−HK$10,169/mo
▼ 0.25% · 3.875%
HK$167,200
−HK$5,125/mo
Today · 4.125%
HK$172,325
baseline
▲ 0.50% · 4.625%
HK$182,810
+HK$10,485/mo
Deposit HK$3.95M · loan HK$35.56M · min. income ≈ HK$344,650/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,679,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,397
−HK$9,746/mo
▼ 0.25% · 3.875%
HK$185,235
−HK$4,908/mo
Today · 4.125%
HK$190,143
baseline
▲ 0.50% · 4.625%
HK$200,166
+HK$10,023/mo
Deposit HK$3.95M · loan HK$35.56M · min. income ≈ HK$380,286/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,679,061 · Scale 2, in force from 26 Feb 2026)