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$89,600
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$92,387
−HK$2,831/mo
Today · 4.125%
HK$95,218
baseline
▲ 0.50% · 4.625%
HK$101,012
+HK$5,794/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$190,436/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,669,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,679
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$102,352
−HK$2,712/mo
Today · 4.125%
HK$105,064
baseline
▲ 0.50% · 4.625%
HK$110,602
+HK$5,538/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$210,128/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,669,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,520
−HK$6,742/mo
▼ 0.25% · 3.875%
HK$110,864
−HK$3,398/mo
Today · 4.125%
HK$114,262
baseline
▲ 0.50% · 4.625%
HK$121,215
+HK$6,953/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$228,524/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,669,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,615
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$122,823
−HK$3,254/mo
Today · 4.125%
HK$126,077
baseline
▲ 0.50% · 4.625%
HK$132,723
+HK$6,646/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$252,154/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,669,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,440
−HK$7,866/mo
▼ 0.25% · 3.875%
HK$129,342
−HK$3,964/mo
Today · 4.125%
HK$133,306
baseline
▲ 0.50% · 4.625%
HK$141,417
+HK$8,111/mo
Deposit HK$11.79M · loan HK$27.51M · min. income ≈ HK$266,612/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,669,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,550
−HK$7,540/mo
▼ 0.25% · 3.875%
HK$143,293
−HK$3,797/mo
Today · 4.125%
HK$147,090
baseline
▲ 0.50% · 4.625%
HK$154,843
+HK$7,753/mo
Deposit HK$11.79M · loan HK$27.51M · min. income ≈ HK$294,180/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,669,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,280
−HK$10,113/mo
▼ 0.25% · 3.875%
HK$166,296
−HK$5,097/mo
Today · 4.125%
HK$171,393
baseline
▲ 0.50% · 4.625%
HK$181,822
+HK$10,429/mo
Deposit HK$3.93M · loan HK$35.36M · min. income ≈ HK$342,786/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,669,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,422
−HK$9,694/mo
▼ 0.25% · 3.875%
HK$184,234
−HK$4,882/mo
Today · 4.125%
HK$189,116
baseline
▲ 0.50% · 4.625%
HK$199,084
+HK$9,968/mo
Deposit HK$3.93M · loan HK$35.36M · min. income ≈ HK$378,232/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,669,984 · Scale 2, in force from 26 Feb 2026)