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$90,347
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$93,157
−HK$2,855/mo
Today · 4.125%
HK$96,012
baseline
▲ 0.50% · 4.625%
HK$101,854
+HK$5,842/mo
Deposit HK$19.81M · loan HK$19.81M · min. income ≈ HK$192,024/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,510
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$103,205
−HK$2,735/mo
Today · 4.125%
HK$105,940
baseline
▲ 0.50% · 4.625%
HK$111,524
+HK$5,584/mo
Deposit HK$19.81M · loan HK$19.81M · min. income ≈ HK$211,880/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,416
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$111,788
−HK$3,427/mo
Today · 4.125%
HK$115,215
baseline
▲ 0.50% · 4.625%
HK$122,225
+HK$7,010/mo
Deposit HK$15.85M · loan HK$23.77M · min. income ≈ HK$230,430/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,612
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$123,847
−HK$3,281/mo
Today · 4.125%
HK$127,128
baseline
▲ 0.50% · 4.625%
HK$133,829
+HK$6,701/mo
Deposit HK$15.85M · loan HK$23.77M · min. income ≈ HK$254,256/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,485
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$130,420
−HK$3,997/mo
Today · 4.125%
HK$134,417
baseline
▲ 0.50% · 4.625%
HK$142,596
+HK$8,179/mo
Deposit HK$11.89M · loan HK$27.73M · min. income ≈ HK$268,834/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,683,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,714
−HK$7,602/mo
▼ 0.25% · 3.875%
HK$144,488
−HK$3,828/mo
Today · 4.125%
HK$148,316
baseline
▲ 0.50% · 4.625%
HK$156,134
+HK$7,818/mo
Deposit HK$11.89M · loan HK$27.73M · min. income ≈ HK$296,632/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,683,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,624
−HK$10,198/mo
▼ 0.25% · 3.875%
HK$167,683
−HK$5,139/mo
Today · 4.125%
HK$172,822
baseline
▲ 0.50% · 4.625%
HK$183,338
+HK$10,516/mo
Deposit HK$3.96M · loan HK$35.66M · min. income ≈ HK$345,644/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,683,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,918
−HK$9,774/mo
▼ 0.25% · 3.875%
HK$185,770
−HK$4,922/mo
Today · 4.125%
HK$190,692
baseline
▲ 0.50% · 4.625%
HK$200,744
+HK$10,052/mo
Deposit HK$3.96M · loan HK$35.66M · min. income ≈ HK$381,384/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,683,906 · Scale 2, in force from 26 Feb 2026)