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$90,419
−HK$5,670/mo
▼ 0.25% · 3.875%
HK$93,231
−HK$2,858/mo
Today · 4.125%
HK$96,089
baseline
▲ 0.50% · 4.625%
HK$101,936
+HK$5,847/mo
Deposit HK$19.83M · loan HK$19.83M · min. income ≈ HK$192,178/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$1,685,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,590
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$103,288
−HK$2,737/mo
Today · 4.125%
HK$106,025
baseline
▲ 0.50% · 4.625%
HK$111,613
+HK$5,588/mo
Deposit HK$19.83M · loan HK$19.83M · min. income ≈ HK$212,050/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$1,685,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,503
−HK$6,804/mo
▼ 0.25% · 3.875%
HK$111,878
−HK$3,429/mo
Today · 4.125%
HK$115,307
baseline
▲ 0.50% · 4.625%
HK$122,323
+HK$7,016/mo
Deposit HK$15.86M · loan HK$23.79M · min. income ≈ HK$230,614/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,685,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,708
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$123,945
−HK$3,285/mo
Today · 4.125%
HK$127,230
baseline
▲ 0.50% · 4.625%
HK$133,936
+HK$6,706/mo
Deposit HK$15.86M · loan HK$23.79M · min. income ≈ HK$254,460/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,685,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,586
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$130,524
−HK$4,001/mo
Today · 4.125%
HK$134,525
baseline
▲ 0.50% · 4.625%
HK$142,710
+HK$8,185/mo
Deposit HK$11.90M · loan HK$27.76M · min. income ≈ HK$269,050/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,685,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,826
−HK$7,609/mo
▼ 0.25% · 3.875%
HK$144,603
−HK$3,832/mo
Today · 4.125%
HK$148,435
baseline
▲ 0.50% · 4.625%
HK$156,259
+HK$7,824/mo
Deposit HK$11.90M · loan HK$27.76M · min. income ≈ HK$296,870/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,685,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,754
−HK$10,206/mo
▼ 0.25% · 3.875%
HK$167,817
−HK$5,143/mo
Today · 4.125%
HK$172,960
baseline
▲ 0.50% · 4.625%
HK$183,484
+HK$10,524/mo
Deposit HK$3.97M · loan HK$35.69M · min. income ≈ HK$345,920/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,685,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,062
−HK$9,782/mo
▼ 0.25% · 3.875%
HK$185,918
−HK$4,926/mo
Today · 4.125%
HK$190,844
baseline
▲ 0.50% · 4.625%
HK$200,904
+HK$10,060/mo
Deposit HK$3.97M · loan HK$35.69M · min. income ≈ HK$381,688/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,685,251 · Scale 2, in force from 26 Feb 2026)