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$90,385
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$93,197
−HK$2,856/mo
Today · 4.125%
HK$96,053
baseline
▲ 0.50% · 4.625%
HK$101,898
+HK$5,845/mo
Deposit HK$19.82M · loan HK$19.82M · min. income ≈ HK$192,106/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$1,684,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,552
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$103,249
−HK$2,736/mo
Today · 4.125%
HK$105,985
baseline
▲ 0.50% · 4.625%
HK$111,572
+HK$5,587/mo
Deposit HK$19.82M · loan HK$19.82M · min. income ≈ HK$211,970/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$1,684,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,462
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$111,836
−HK$3,428/mo
Today · 4.125%
HK$115,264
baseline
▲ 0.50% · 4.625%
HK$122,277
+HK$7,013/mo
Deposit HK$15.86M · loan HK$23.78M · min. income ≈ HK$230,528/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,684,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,663
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$123,899
−HK$3,283/mo
Today · 4.125%
HK$127,182
baseline
▲ 0.50% · 4.625%
HK$133,886
+HK$6,704/mo
Deposit HK$15.86M · loan HK$23.78M · min. income ≈ HK$254,364/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,684,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,539
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$130,475
−HK$3,999/mo
Today · 4.125%
HK$134,474
baseline
▲ 0.50% · 4.625%
HK$142,657
+HK$8,183/mo
Deposit HK$11.89M · loan HK$27.75M · min. income ≈ HK$268,948/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,684,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,773
−HK$7,606/mo
▼ 0.25% · 3.875%
HK$144,549
−HK$3,830/mo
Today · 4.125%
HK$148,379
baseline
▲ 0.50% · 4.625%
HK$156,200
+HK$7,821/mo
Deposit HK$11.89M · loan HK$27.75M · min. income ≈ HK$296,758/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,684,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,693
−HK$10,202/mo
▼ 0.25% · 3.875%
HK$167,754
−HK$5,141/mo
Today · 4.125%
HK$172,895
baseline
▲ 0.50% · 4.625%
HK$183,416
+HK$10,521/mo
Deposit HK$3.96M · loan HK$35.67M · min. income ≈ HK$345,790/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,684,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,994
−HK$9,779/mo
▼ 0.25% · 3.875%
HK$185,849
−HK$4,924/mo
Today · 4.125%
HK$190,773
baseline
▲ 0.50% · 4.625%
HK$200,829
+HK$10,056/mo
Deposit HK$3.96M · loan HK$35.67M · min. income ≈ HK$381,546/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,684,620 · Scale 2, in force from 26 Feb 2026)