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$89,510
−HK$5,614/mo
▼ 0.25% · 3.875%
HK$92,295
−HK$2,829/mo
Today · 4.125%
HK$95,124
baseline
▲ 0.50% · 4.625%
HK$100,912
+HK$5,788/mo
Deposit HK$19.63M · loan HK$19.63M · min. income ≈ HK$190,248/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$1,668,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,579
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$102,250
−HK$2,709/mo
Today · 4.125%
HK$104,959
baseline
▲ 0.50% · 4.625%
HK$110,492
+HK$5,533/mo
Deposit HK$19.63M · loan HK$19.63M · min. income ≈ HK$209,918/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$1,668,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,413
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$110,754
−HK$3,394/mo
Today · 4.125%
HK$114,148
baseline
▲ 0.50% · 4.625%
HK$121,094
+HK$6,946/mo
Deposit HK$15.70M · loan HK$23.55M · min. income ≈ HK$228,296/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,668,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,495
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$122,700
−HK$3,251/mo
Today · 4.125%
HK$125,951
baseline
▲ 0.50% · 4.625%
HK$132,590
+HK$6,639/mo
Deposit HK$15.70M · loan HK$23.55M · min. income ≈ HK$251,902/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,668,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,315
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$129,213
−HK$3,960/mo
Today · 4.125%
HK$133,173
baseline
▲ 0.50% · 4.625%
HK$141,276
+HK$8,103/mo
Deposit HK$11.78M · loan HK$27.48M · min. income ≈ HK$266,346/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,668,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,411
−HK$7,532/mo
▼ 0.25% · 3.875%
HK$143,150
−HK$3,793/mo
Today · 4.125%
HK$146,943
baseline
▲ 0.50% · 4.625%
HK$154,689
+HK$7,746/mo
Deposit HK$11.78M · loan HK$27.48M · min. income ≈ HK$293,886/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,668,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,119
−HK$10,103/mo
▼ 0.25% · 3.875%
HK$166,130
−HK$5,092/mo
Today · 4.125%
HK$171,222
baseline
▲ 0.50% · 4.625%
HK$181,641
+HK$10,419/mo
Deposit HK$3.93M · loan HK$35.33M · min. income ≈ HK$342,444/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,668,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,243
−HK$9,684/mo
▼ 0.25% · 3.875%
HK$184,050
−HK$4,877/mo
Today · 4.125%
HK$188,927
baseline
▲ 0.50% · 4.625%
HK$198,886
+HK$9,959/mo
Deposit HK$3.93M · loan HK$35.33M · min. income ≈ HK$377,854/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,668,319 · Scale 2, in force from 26 Feb 2026)