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$89,636
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$92,424
−HK$2,833/mo
Today · 4.125%
HK$95,257
baseline
▲ 0.50% · 4.625%
HK$101,053
+HK$5,796/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$190,514/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$1,670,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,719
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$102,393
−HK$2,713/mo
Today · 4.125%
HK$105,106
baseline
▲ 0.50% · 4.625%
HK$110,647
+HK$5,541/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$210,212/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$1,670,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,563
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$110,909
−HK$3,399/mo
Today · 4.125%
HK$114,308
baseline
▲ 0.50% · 4.625%
HK$121,264
+HK$6,956/mo
Deposit HK$15.72M · loan HK$23.59M · min. income ≈ HK$228,616/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,670,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,663
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$122,872
−HK$3,256/mo
Today · 4.125%
HK$126,128
baseline
▲ 0.50% · 4.625%
HK$132,776
+HK$6,648/mo
Deposit HK$15.72M · loan HK$23.59M · min. income ≈ HK$252,256/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,670,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,490
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$129,394
−HK$3,965/mo
Today · 4.125%
HK$133,359
baseline
▲ 0.50% · 4.625%
HK$141,474
+HK$8,115/mo
Deposit HK$11.79M · loan HK$27.52M · min. income ≈ HK$266,718/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,607
−HK$7,542/mo
▼ 0.25% · 3.875%
HK$143,351
−HK$3,798/mo
Today · 4.125%
HK$147,149
baseline
▲ 0.50% · 4.625%
HK$154,905
+HK$7,756/mo
Deposit HK$11.79M · loan HK$27.52M · min. income ≈ HK$294,298/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,344
−HK$10,118/mo
▼ 0.25% · 3.875%
HK$166,363
−HK$5,099/mo
Today · 4.125%
HK$171,462
baseline
▲ 0.50% · 4.625%
HK$181,895
+HK$10,433/mo
Deposit HK$3.93M · loan HK$35.38M · min. income ≈ HK$342,924/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,494
−HK$9,698/mo
▼ 0.25% · 3.875%
HK$184,308
−HK$4,884/mo
Today · 4.125%
HK$189,192
baseline
▲ 0.50% · 4.625%
HK$199,164
+HK$9,972/mo
Deposit HK$3.93M · loan HK$35.38M · min. income ≈ HK$378,384/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,656 · Scale 2, in force from 26 Feb 2026)