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$89,977
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$92,775
−HK$2,844/mo
Today · 4.125%
HK$95,619
baseline
▲ 0.50% · 4.625%
HK$101,437
+HK$5,818/mo
Deposit HK$19.73M · loan HK$19.73M · min. income ≈ HK$191,238/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,677,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,098
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$102,783
−HK$2,723/mo
Today · 4.125%
HK$105,506
baseline
▲ 0.50% · 4.625%
HK$111,068
+HK$5,562/mo
Deposit HK$19.73M · loan HK$19.73M · min. income ≈ HK$211,012/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,677,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,972
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$111,331
−HK$3,412/mo
Today · 4.125%
HK$114,743
baseline
▲ 0.50% · 4.625%
HK$121,725
+HK$6,982/mo
Deposit HK$15.78M · loan HK$23.68M · min. income ≈ HK$229,486/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,677,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,118
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$123,339
−HK$3,268/mo
Today · 4.125%
HK$126,607
baseline
▲ 0.50% · 4.625%
HK$133,281
+HK$6,674/mo
Deposit HK$15.78M · loan HK$23.68M · min. income ≈ HK$253,214/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,677,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,967
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$129,886
−HK$3,981/mo
Today · 4.125%
HK$133,867
baseline
▲ 0.50% · 4.625%
HK$142,012
+HK$8,145/mo
Deposit HK$11.84M · loan HK$27.62M · min. income ≈ HK$267,734/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,677,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,137
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$143,896
−HK$3,813/mo
Today · 4.125%
HK$147,709
baseline
▲ 0.50% · 4.625%
HK$155,495
+HK$7,786/mo
Deposit HK$11.84M · loan HK$27.62M · min. income ≈ HK$295,418/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,677,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,958
−HK$10,156/mo
▼ 0.25% · 3.875%
HK$166,996
−HK$5,118/mo
Today · 4.125%
HK$172,114
baseline
▲ 0.50% · 4.625%
HK$182,587
+HK$10,473/mo
Deposit HK$3.95M · loan HK$35.51M · min. income ≈ HK$344,228/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,677,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,177
−HK$9,734/mo
▼ 0.25% · 3.875%
HK$185,009
−HK$4,902/mo
Today · 4.125%
HK$189,911
baseline
▲ 0.50% · 4.625%
HK$199,922
+HK$10,011/mo
Deposit HK$3.95M · loan HK$35.51M · min. income ≈ HK$379,822/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,677,009 · Scale 2, in force from 26 Feb 2026)