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$90,021
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$92,821
−HK$2,845/mo
Today · 4.125%
HK$95,666
baseline
▲ 0.50% · 4.625%
HK$101,487
+HK$5,821/mo
Deposit HK$19.74M · loan HK$19.74M · min. income ≈ HK$191,332/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$1,677,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,147
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$102,833
−HK$2,725/mo
Today · 4.125%
HK$105,558
baseline
▲ 0.50% · 4.625%
HK$111,122
+HK$5,564/mo
Deposit HK$19.74M · loan HK$19.74M · min. income ≈ HK$211,116/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$1,677,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,025
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$111,385
−HK$3,414/mo
Today · 4.125%
HK$114,799
baseline
▲ 0.50% · 4.625%
HK$121,784
+HK$6,985/mo
Deposit HK$15.79M · loan HK$23.69M · min. income ≈ HK$229,598/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,677,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,176
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$123,399
−HK$3,270/mo
Today · 4.125%
HK$126,669
baseline
▲ 0.50% · 4.625%
HK$133,346
+HK$6,677/mo
Deposit HK$15.79M · loan HK$23.69M · min. income ≈ HK$253,338/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,677,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,029
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$129,949
−HK$3,983/mo
Today · 4.125%
HK$133,932
baseline
▲ 0.50% · 4.625%
HK$142,081
+HK$8,149/mo
Deposit HK$11.84M · loan HK$27.63M · min. income ≈ HK$267,864/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,677,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,206
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$143,966
−HK$3,815/mo
Today · 4.125%
HK$147,781
baseline
▲ 0.50% · 4.625%
HK$155,570
+HK$7,789/mo
Deposit HK$11.84M · loan HK$27.63M · min. income ≈ HK$295,562/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,677,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,037
−HK$10,161/mo
▼ 0.25% · 3.875%
HK$167,077
−HK$5,121/mo
Today · 4.125%
HK$172,198
baseline
▲ 0.50% · 4.625%
HK$182,676
+HK$10,478/mo
Deposit HK$3.95M · loan HK$35.53M · min. income ≈ HK$344,396/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,677,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,265
−HK$9,739/mo
▼ 0.25% · 3.875%
HK$185,099
−HK$4,905/mo
Today · 4.125%
HK$190,004
baseline
▲ 0.50% · 4.625%
HK$200,019
+HK$10,015/mo
Deposit HK$3.95M · loan HK$35.53M · min. income ≈ HK$380,008/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,677,827 · Scale 2, in force from 26 Feb 2026)