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$90,309
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$93,119
−HK$2,854/mo
Today · 4.125%
HK$95,973
baseline
▲ 0.50% · 4.625%
HK$101,812
+HK$5,839/mo
Deposit HK$19.80M · loan HK$19.80M · min. income ≈ HK$191,946/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,468
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$103,163
−HK$2,733/mo
Today · 4.125%
HK$105,896
baseline
▲ 0.50% · 4.625%
HK$111,478
+HK$5,582/mo
Deposit HK$19.80M · loan HK$19.80M · min. income ≈ HK$211,792/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,371
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$111,742
−HK$3,425/mo
Today · 4.125%
HK$115,167
baseline
▲ 0.50% · 4.625%
HK$122,175
+HK$7,008/mo
Deposit HK$15.84M · loan HK$23.76M · min. income ≈ HK$230,334/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,562
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$123,795
−HK$3,281/mo
Today · 4.125%
HK$127,076
baseline
▲ 0.50% · 4.625%
HK$133,774
+HK$6,698/mo
Deposit HK$15.84M · loan HK$23.76M · min. income ≈ HK$254,152/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,433
−HK$7,929/mo
▼ 0.25% · 3.875%
HK$130,366
−HK$3,996/mo
Today · 4.125%
HK$134,362
baseline
▲ 0.50% · 4.625%
HK$142,537
+HK$8,175/mo
Deposit HK$11.88M · loan HK$27.72M · min. income ≈ HK$268,724/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,683,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,656
−HK$7,599/mo
▼ 0.25% · 3.875%
HK$144,428
−HK$3,827/mo
Today · 4.125%
HK$148,255
baseline
▲ 0.50% · 4.625%
HK$156,070
+HK$7,815/mo
Deposit HK$11.88M · loan HK$27.72M · min. income ≈ HK$296,510/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,683,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,557
−HK$10,194/mo
▼ 0.25% · 3.875%
HK$167,613
−HK$5,138/mo
Today · 4.125%
HK$172,751
baseline
▲ 0.50% · 4.625%
HK$183,262
+HK$10,511/mo
Deposit HK$3.96M · loan HK$35.64M · min. income ≈ HK$345,502/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,683,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,843
−HK$9,770/mo
▼ 0.25% · 3.875%
HK$185,693
−HK$4,920/mo
Today · 4.125%
HK$190,613
baseline
▲ 0.50% · 4.625%
HK$200,661
+HK$10,048/mo
Deposit HK$3.96M · loan HK$35.64M · min. income ≈ HK$381,226/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,683,211 · Scale 2, in force from 26 Feb 2026)