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$89,730
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$92,521
−HK$2,836/mo
Today · 4.125%
HK$95,357
baseline
▲ 0.50% · 4.625%
HK$101,159
+HK$5,802/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$190,714/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,824
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$102,501
−HK$2,716/mo
Today · 4.125%
HK$105,217
baseline
▲ 0.50% · 4.625%
HK$110,763
+HK$5,546/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$210,434/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,676
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$111,025
−HK$3,403/mo
Today · 4.125%
HK$114,428
baseline
▲ 0.50% · 4.625%
HK$121,391
+HK$6,963/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$228,856/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,672,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,789
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$123,001
−HK$3,259/mo
Today · 4.125%
HK$126,260
baseline
▲ 0.50% · 4.625%
HK$132,916
+HK$6,656/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$252,520/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,672,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,622
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$129,530
−HK$3,970/mo
Today · 4.125%
HK$133,500
baseline
▲ 0.50% · 4.625%
HK$141,623
+HK$8,123/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$267,000/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,753
−HK$7,551/mo
▼ 0.25% · 3.875%
HK$143,501
−HK$3,803/mo
Today · 4.125%
HK$147,304
baseline
▲ 0.50% · 4.625%
HK$155,068
+HK$7,764/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$294,608/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,514
−HK$10,128/mo
▼ 0.25% · 3.875%
HK$166,538
−HK$5,104/mo
Today · 4.125%
HK$171,642
baseline
▲ 0.50% · 4.625%
HK$182,086
+HK$10,444/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$343,284/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,683
−HK$9,707/mo
▼ 0.25% · 3.875%
HK$184,502
−HK$4,888/mo
Today · 4.125%
HK$189,390
baseline
▲ 0.50% · 4.625%
HK$199,373
+HK$9,983/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$378,780/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,412 · Scale 2, in force from 26 Feb 2026)