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$89,731
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$92,523
−HK$2,835/mo
Today · 4.125%
HK$95,358
baseline
▲ 0.50% · 4.625%
HK$101,161
+HK$5,803/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$190,716/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,825
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,503
−HK$2,716/mo
Today · 4.125%
HK$105,219
baseline
▲ 0.50% · 4.625%
HK$110,765
+HK$5,546/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$210,438/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,678
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$111,027
−HK$3,403/mo
Today · 4.125%
HK$114,430
baseline
▲ 0.50% · 4.625%
HK$121,393
+HK$6,963/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$228,860/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,672,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,790
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$123,003
−HK$3,259/mo
Today · 4.125%
HK$126,262
baseline
▲ 0.50% · 4.625%
HK$132,918
+HK$6,656/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$252,524/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,672,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,624
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$129,532
−HK$3,970/mo
Today · 4.125%
HK$133,502
baseline
▲ 0.50% · 4.625%
HK$141,625
+HK$8,123/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$267,004/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,755
−HK$7,551/mo
▼ 0.25% · 3.875%
HK$143,504
−HK$3,802/mo
Today · 4.125%
HK$147,306
baseline
▲ 0.50% · 4.625%
HK$155,071
+HK$7,765/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$294,612/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,517
−HK$10,128/mo
▼ 0.25% · 3.875%
HK$166,541
−HK$5,104/mo
Today · 4.125%
HK$171,645
baseline
▲ 0.50% · 4.625%
HK$182,089
+HK$10,444/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$343,290/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,686
−HK$9,707/mo
▼ 0.25% · 3.875%
HK$184,505
−HK$4,888/mo
Today · 4.125%
HK$189,393
baseline
▲ 0.50% · 4.625%
HK$199,377
+HK$9,984/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$378,786/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,438 · Scale 2, in force from 26 Feb 2026)