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$89,643
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$92,431
−HK$2,833/mo
Today · 4.125%
HK$95,264
baseline
▲ 0.50% · 4.625%
HK$101,061
+HK$5,797/mo
Deposit HK$19.66M · loan HK$19.66M · min. income ≈ HK$190,528/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$1,670,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,727
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$102,401
−HK$2,714/mo
Today · 4.125%
HK$105,115
baseline
▲ 0.50% · 4.625%
HK$110,655
+HK$5,540/mo
Deposit HK$19.66M · loan HK$19.66M · min. income ≈ HK$210,230/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$1,670,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,571
−HK$6,746/mo
▼ 0.25% · 3.875%
HK$110,917
−HK$3,400/mo
Today · 4.125%
HK$114,317
baseline
▲ 0.50% · 4.625%
HK$121,273
+HK$6,956/mo
Deposit HK$15.73M · loan HK$23.59M · min. income ≈ HK$228,634/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,670,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,672
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$122,882
−HK$3,256/mo
Today · 4.125%
HK$126,138
baseline
▲ 0.50% · 4.625%
HK$132,786
+HK$6,648/mo
Deposit HK$15.73M · loan HK$23.59M · min. income ≈ HK$252,276/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,670,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,500
−HK$7,870/mo
▼ 0.25% · 3.875%
HK$129,404
−HK$3,966/mo
Today · 4.125%
HK$133,370
baseline
▲ 0.50% · 4.625%
HK$141,485
+HK$8,115/mo
Deposit HK$11.79M · loan HK$27.52M · min. income ≈ HK$266,740/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,617
−HK$7,544/mo
▼ 0.25% · 3.875%
HK$143,362
−HK$3,799/mo
Today · 4.125%
HK$147,161
baseline
▲ 0.50% · 4.625%
HK$154,918
+HK$7,757/mo
Deposit HK$11.79M · loan HK$27.52M · min. income ≈ HK$294,322/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,357
−HK$10,119/mo
▼ 0.25% · 3.875%
HK$166,376
−HK$5,100/mo
Today · 4.125%
HK$171,476
baseline
▲ 0.50% · 4.625%
HK$181,909
+HK$10,433/mo
Deposit HK$3.93M · loan HK$35.38M · min. income ≈ HK$342,952/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,508
−HK$9,698/mo
▼ 0.25% · 3.875%
HK$184,322
−HK$4,884/mo
Today · 4.125%
HK$189,206
baseline
▲ 0.50% · 4.625%
HK$199,180
+HK$9,974/mo
Deposit HK$3.93M · loan HK$35.38M · min. income ≈ HK$378,412/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,786 · Scale 2, in force from 26 Feb 2026)