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$90,039
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$92,839
−HK$2,846/mo
Today · 4.125%
HK$95,685
baseline
▲ 0.50% · 4.625%
HK$101,507
+HK$5,822/mo
Deposit HK$19.74M · loan HK$19.74M · min. income ≈ HK$191,370/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$1,678,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,167
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,853
−HK$2,726/mo
Today · 4.125%
HK$105,579
baseline
▲ 0.50% · 4.625%
HK$111,144
+HK$5,565/mo
Deposit HK$19.74M · loan HK$19.74M · min. income ≈ HK$211,158/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$1,678,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,046
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$111,407
−HK$3,415/mo
Today · 4.125%
HK$114,822
baseline
▲ 0.50% · 4.625%
HK$121,808
+HK$6,986/mo
Deposit HK$15.79M · loan HK$23.69M · min. income ≈ HK$229,644/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,678,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,200
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$123,424
−HK$3,270/mo
Today · 4.125%
HK$126,694
baseline
▲ 0.50% · 4.625%
HK$133,373
+HK$6,679/mo
Deposit HK$15.79M · loan HK$23.69M · min. income ≈ HK$253,388/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,678,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,054
−HK$7,905/mo
▼ 0.25% · 3.875%
HK$129,975
−HK$3,984/mo
Today · 4.125%
HK$133,959
baseline
▲ 0.50% · 4.625%
HK$142,110
+HK$8,151/mo
Deposit HK$11.85M · loan HK$27.64M · min. income ≈ HK$267,918/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,678,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,234
−HK$7,576/mo
▼ 0.25% · 3.875%
HK$143,995
−HK$3,815/mo
Today · 4.125%
HK$147,810
baseline
▲ 0.50% · 4.625%
HK$155,602
+HK$7,792/mo
Deposit HK$11.85M · loan HK$27.64M · min. income ≈ HK$295,620/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,678,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,069
−HK$10,164/mo
▼ 0.25% · 3.875%
HK$167,111
−HK$5,122/mo
Today · 4.125%
HK$172,233
baseline
▲ 0.50% · 4.625%
HK$182,713
+HK$10,480/mo
Deposit HK$3.95M · loan HK$35.54M · min. income ≈ HK$344,466/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,678,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,301
−HK$9,741/mo
▼ 0.25% · 3.875%
HK$185,136
−HK$4,906/mo
Today · 4.125%
HK$190,042
baseline
▲ 0.50% · 4.625%
HK$200,059
+HK$10,017/mo
Deposit HK$3.95M · loan HK$35.54M · min. income ≈ HK$380,084/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,678,162 · Scale 2, in force from 26 Feb 2026)