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$89,763
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$92,555
−HK$2,837/mo
Today · 4.125%
HK$95,392
baseline
▲ 0.50% · 4.625%
HK$101,196
+HK$5,804/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$190,784/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$1,673,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,860
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$102,538
−HK$2,717/mo
Today · 4.125%
HK$105,255
baseline
▲ 0.50% · 4.625%
HK$110,803
+HK$5,548/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$210,510/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$1,673,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,715
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$111,066
−HK$3,404/mo
Today · 4.125%
HK$114,470
baseline
▲ 0.50% · 4.625%
HK$121,435
+HK$6,965/mo
Deposit HK$15.75M · loan HK$23.62M · min. income ≈ HK$228,940/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,673,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,832
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$123,046
−HK$3,260/mo
Today · 4.125%
HK$126,306
baseline
▲ 0.50% · 4.625%
HK$132,964
+HK$6,658/mo
Deposit HK$15.75M · loan HK$23.62M · min. income ≈ HK$252,612/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,673,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,668
−HK$7,880/mo
▼ 0.25% · 3.875%
HK$129,577
−HK$3,971/mo
Today · 4.125%
HK$133,548
baseline
▲ 0.50% · 4.625%
HK$141,674
+HK$8,126/mo
Deposit HK$11.81M · loan HK$27.56M · min. income ≈ HK$267,096/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,673,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,804
−HK$7,553/mo
▼ 0.25% · 3.875%
HK$143,554
−HK$3,803/mo
Today · 4.125%
HK$147,357
baseline
▲ 0.50% · 4.625%
HK$155,125
+HK$7,768/mo
Deposit HK$11.81M · loan HK$27.56M · min. income ≈ HK$294,714/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,673,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,573
−HK$10,132/mo
▼ 0.25% · 3.875%
HK$166,599
−HK$5,106/mo
Today · 4.125%
HK$171,705
baseline
▲ 0.50% · 4.625%
HK$182,153
+HK$10,448/mo
Deposit HK$3.94M · loan HK$35.43M · min. income ≈ HK$343,410/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,673,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,748
−HK$9,712/mo
▼ 0.25% · 3.875%
HK$184,569
−HK$4,891/mo
Today · 4.125%
HK$189,460
baseline
▲ 0.50% · 4.625%
HK$199,446
+HK$9,986/mo
Deposit HK$3.94M · loan HK$35.43M · min. income ≈ HK$378,920/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,673,022 · Scale 2, in force from 26 Feb 2026)