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$89,596
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$92,383
−HK$2,832/mo
Today · 4.125%
HK$95,215
baseline
▲ 0.50% · 4.625%
HK$101,008
+HK$5,793/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$190,430/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,669,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,675
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$102,348
−HK$2,712/mo
Today · 4.125%
HK$105,060
baseline
▲ 0.50% · 4.625%
HK$110,598
+HK$5,538/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$210,120/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,669,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,515
−HK$6,742/mo
▼ 0.25% · 3.875%
HK$110,860
−HK$3,397/mo
Today · 4.125%
HK$114,257
baseline
▲ 0.50% · 4.625%
HK$121,210
+HK$6,953/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$228,514/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,669,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,610
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$122,818
−HK$3,254/mo
Today · 4.125%
HK$126,072
baseline
▲ 0.50% · 4.625%
HK$132,717
+HK$6,645/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$252,144/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,669,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,435
−HK$7,865/mo
▼ 0.25% · 3.875%
HK$129,336
−HK$3,964/mo
Today · 4.125%
HK$133,300
baseline
▲ 0.50% · 4.625%
HK$141,411
+HK$8,111/mo
Deposit HK$11.79M · loan HK$27.50M · min. income ≈ HK$266,600/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,669,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,545
−HK$7,539/mo
▼ 0.25% · 3.875%
HK$143,287
−HK$3,797/mo
Today · 4.125%
HK$147,084
baseline
▲ 0.50% · 4.625%
HK$154,837
+HK$7,753/mo
Deposit HK$11.79M · loan HK$27.50M · min. income ≈ HK$294,168/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,669,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,273
−HK$10,113/mo
▼ 0.25% · 3.875%
HK$166,289
−HK$5,097/mo
Today · 4.125%
HK$171,386
baseline
▲ 0.50% · 4.625%
HK$181,815
+HK$10,429/mo
Deposit HK$3.93M · loan HK$35.36M · min. income ≈ HK$342,772/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,669,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,415
−HK$9,693/mo
▼ 0.25% · 3.875%
HK$184,226
−HK$4,882/mo
Today · 4.125%
HK$189,108
baseline
▲ 0.50% · 4.625%
HK$199,076
+HK$9,968/mo
Deposit HK$3.93M · loan HK$35.36M · min. income ≈ HK$378,216/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,669,915 · Scale 2, in force from 26 Feb 2026)