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$89,938
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,736
−HK$2,842/mo
Today · 4.125%
HK$95,578
baseline
▲ 0.50% · 4.625%
HK$101,394
+HK$5,816/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$191,156/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$1,676,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,055
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$102,739
−HK$2,722/mo
Today · 4.125%
HK$105,461
baseline
▲ 0.50% · 4.625%
HK$111,020
+HK$5,559/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$210,922/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$1,676,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,926
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$111,283
−HK$3,410/mo
Today · 4.125%
HK$114,693
baseline
▲ 0.50% · 4.625%
HK$121,672
+HK$6,979/mo
Deposit HK$15.78M · loan HK$23.67M · min. income ≈ HK$229,386/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,676,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,066
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$123,286
−HK$3,267/mo
Today · 4.125%
HK$126,553
baseline
▲ 0.50% · 4.625%
HK$133,224
+HK$6,671/mo
Deposit HK$15.78M · loan HK$23.67M · min. income ≈ HK$253,106/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,676,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,913
−HK$7,896/mo
▼ 0.25% · 3.875%
HK$129,830
−HK$3,979/mo
Today · 4.125%
HK$133,809
baseline
▲ 0.50% · 4.625%
HK$141,951
+HK$8,142/mo
Deposit HK$11.83M · loan HK$27.61M · min. income ≈ HK$267,618/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,077
−HK$7,568/mo
▼ 0.25% · 3.875%
HK$143,834
−HK$3,811/mo
Today · 4.125%
HK$147,645
baseline
▲ 0.50% · 4.625%
HK$155,428
+HK$7,783/mo
Deposit HK$11.83M · loan HK$27.61M · min. income ≈ HK$295,290/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,888
−HK$10,152/mo
▼ 0.25% · 3.875%
HK$166,924
−HK$5,116/mo
Today · 4.125%
HK$172,040
baseline
▲ 0.50% · 4.625%
HK$182,508
+HK$10,468/mo
Deposit HK$3.94M · loan HK$35.50M · min. income ≈ HK$344,080/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,099
−HK$9,730/mo
▼ 0.25% · 3.875%
HK$184,929
−HK$4,900/mo
Today · 4.125%
HK$189,829
baseline
▲ 0.50% · 4.625%
HK$199,835
+HK$10,006/mo
Deposit HK$3.94M · loan HK$35.50M · min. income ≈ HK$379,658/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,287 · Scale 2, in force from 26 Feb 2026)