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$89,741
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$92,533
−HK$2,836/mo
Today · 4.125%
HK$95,369
baseline
▲ 0.50% · 4.625%
HK$101,172
+HK$5,803/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$190,738/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,836
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,514
−HK$2,716/mo
Today · 4.125%
HK$105,230
baseline
▲ 0.50% · 4.625%
HK$110,777
+HK$5,547/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$210,460/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,690
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,039
−HK$3,404/mo
Today · 4.125%
HK$114,443
baseline
▲ 0.50% · 4.625%
HK$121,406
+HK$6,963/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$228,886/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,672,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,804
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$123,017
−HK$3,259/mo
Today · 4.125%
HK$126,276
baseline
▲ 0.50% · 4.625%
HK$132,932
+HK$6,656/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$252,552/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,672,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,638
−HK$7,879/mo
▼ 0.25% · 3.875%
HK$129,546
−HK$3,971/mo
Today · 4.125%
HK$133,517
baseline
▲ 0.50% · 4.625%
HK$141,641
+HK$8,124/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$267,034/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,771
−HK$7,551/mo
▼ 0.25% · 3.875%
HK$143,520
−HK$3,802/mo
Today · 4.125%
HK$147,322
baseline
▲ 0.50% · 4.625%
HK$155,088
+HK$7,766/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$294,644/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,534
−HK$10,130/mo
▼ 0.25% · 3.875%
HK$166,559
−HK$5,105/mo
Today · 4.125%
HK$171,664
baseline
▲ 0.50% · 4.625%
HK$182,109
+HK$10,445/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$343,328/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,705
−HK$9,709/mo
▼ 0.25% · 3.875%
HK$184,525
−HK$4,889/mo
Today · 4.125%
HK$189,414
baseline
▲ 0.50% · 4.625%
HK$199,399
+HK$9,985/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$378,828/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,623 · Scale 2, in force from 26 Feb 2026)