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$89,841
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$92,635
−HK$2,839/mo
Today · 4.125%
HK$95,474
baseline
▲ 0.50% · 4.625%
HK$101,284
+HK$5,810/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$190,948/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,674,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,947
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,627
−HK$2,720/mo
Today · 4.125%
HK$105,347
baseline
▲ 0.50% · 4.625%
HK$110,900
+HK$5,553/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$210,694/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,674,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,809
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,162
−HK$3,407/mo
Today · 4.125%
HK$114,569
baseline
▲ 0.50% · 4.625%
HK$121,541
+HK$6,972/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$229,138/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,936
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,153
−HK$3,263/mo
Today · 4.125%
HK$126,416
baseline
▲ 0.50% · 4.625%
HK$133,079
+HK$6,663/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$252,832/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,777
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$129,689
−HK$3,975/mo
Today · 4.125%
HK$133,664
baseline
▲ 0.50% · 4.625%
HK$141,797
+HK$8,133/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$267,328/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,925
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$143,678
−HK$3,807/mo
Today · 4.125%
HK$147,485
baseline
▲ 0.50% · 4.625%
HK$155,259
+HK$7,774/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$294,970/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,713
−HK$10,141/mo
▼ 0.25% · 3.875%
HK$166,743
−HK$5,111/mo
Today · 4.125%
HK$171,854
baseline
▲ 0.50% · 4.625%
HK$182,311
+HK$10,457/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$343,708/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,904
−HK$9,720/mo
▼ 0.25% · 3.875%
HK$184,729
−HK$4,895/mo
Today · 4.125%
HK$189,624
baseline
▲ 0.50% · 4.625%
HK$199,619
+HK$9,995/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$379,248/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,472 · Scale 2, in force from 26 Feb 2026)