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$89,626
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$92,414
−HK$2,832/mo
Today · 4.125%
HK$95,246
baseline
▲ 0.50% · 4.625%
HK$101,042
+HK$5,796/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$190,492/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,670,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,708
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$102,382
−HK$2,713/mo
Today · 4.125%
HK$105,095
baseline
▲ 0.50% · 4.625%
HK$110,635
+HK$5,540/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$210,190/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,670,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,551
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$110,897
−HK$3,399/mo
Today · 4.125%
HK$114,296
baseline
▲ 0.50% · 4.625%
HK$121,250
+HK$6,954/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$228,592/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,670,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,650
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$122,859
−HK$3,255/mo
Today · 4.125%
HK$126,114
baseline
▲ 0.50% · 4.625%
HK$132,762
+HK$6,648/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$252,228/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,670,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,477
−HK$7,868/mo
▼ 0.25% · 3.875%
HK$129,380
−HK$3,965/mo
Today · 4.125%
HK$133,345
baseline
▲ 0.50% · 4.625%
HK$141,459
+HK$8,114/mo
Deposit HK$11.79M · loan HK$27.51M · min. income ≈ HK$266,690/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,591
−HK$7,542/mo
▼ 0.25% · 3.875%
HK$143,335
−HK$3,798/mo
Today · 4.125%
HK$147,133
baseline
▲ 0.50% · 4.625%
HK$154,889
+HK$7,756/mo
Deposit HK$11.79M · loan HK$27.51M · min. income ≈ HK$294,266/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,327
−HK$10,117/mo
▼ 0.25% · 3.875%
HK$166,345
−HK$5,099/mo
Today · 4.125%
HK$171,444
baseline
▲ 0.50% · 4.625%
HK$181,876
+HK$10,432/mo
Deposit HK$3.93M · loan HK$35.37M · min. income ≈ HK$342,888/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,475
−HK$9,696/mo
▼ 0.25% · 3.875%
HK$184,288
−HK$4,883/mo
Today · 4.125%
HK$189,171
baseline
▲ 0.50% · 4.625%
HK$199,143
+HK$9,972/mo
Deposit HK$3.93M · loan HK$35.37M · min. income ≈ HK$378,342/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,475 · Scale 2, in force from 26 Feb 2026)