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$89,954
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$92,752
−HK$2,843/mo
Today · 4.125%
HK$95,595
baseline
▲ 0.50% · 4.625%
HK$101,412
+HK$5,817/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$191,190/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$1,676,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,073
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$102,757
−HK$2,723/mo
Today · 4.125%
HK$105,480
baseline
▲ 0.50% · 4.625%
HK$111,040
+HK$5,560/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$210,960/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$1,676,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,945
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$111,303
−HK$3,411/mo
Today · 4.125%
HK$114,714
baseline
▲ 0.50% · 4.625%
HK$121,694
+HK$6,980/mo
Deposit HK$15.78M · loan HK$23.67M · min. income ≈ HK$229,428/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,676,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,088
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$123,308
−HK$3,268/mo
Today · 4.125%
HK$126,576
baseline
▲ 0.50% · 4.625%
HK$133,248
+HK$6,672/mo
Deposit HK$15.78M · loan HK$23.67M · min. income ≈ HK$253,152/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,676,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,936
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$129,853
−HK$3,980/mo
Today · 4.125%
HK$133,833
baseline
▲ 0.50% · 4.625%
HK$141,977
+HK$8,144/mo
Deposit HK$11.83M · loan HK$27.61M · min. income ≈ HK$267,666/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,102
−HK$7,570/mo
▼ 0.25% · 3.875%
HK$143,860
−HK$3,812/mo
Today · 4.125%
HK$147,672
baseline
▲ 0.50% · 4.625%
HK$155,456
+HK$7,784/mo
Deposit HK$11.83M · loan HK$27.61M · min. income ≈ HK$295,344/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,918
−HK$10,153/mo
▼ 0.25% · 3.875%
HK$166,954
−HK$5,117/mo
Today · 4.125%
HK$172,071
baseline
▲ 0.50% · 4.625%
HK$182,541
+HK$10,470/mo
Deposit HK$3.94M · loan HK$35.50M · min. income ≈ HK$344,142/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,132
−HK$9,732/mo
▼ 0.25% · 3.875%
HK$184,963
−HK$4,901/mo
Today · 4.125%
HK$189,864
baseline
▲ 0.50% · 4.625%
HK$199,872
+HK$10,008/mo
Deposit HK$3.94M · loan HK$35.50M · min. income ≈ HK$379,728/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,589 · Scale 2, in force from 26 Feb 2026)