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$89,982
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$92,781
−HK$2,844/mo
Today · 4.125%
HK$95,625
baseline
▲ 0.50% · 4.625%
HK$101,444
+HK$5,819/mo
Deposit HK$19.73M · loan HK$19.73M · min. income ≈ HK$191,250/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,677,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,104
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$102,789
−HK$2,724/mo
Today · 4.125%
HK$105,513
baseline
▲ 0.50% · 4.625%
HK$111,074
+HK$5,561/mo
Deposit HK$19.73M · loan HK$19.73M · min. income ≈ HK$211,026/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,677,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,979
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$111,337
−HK$3,413/mo
Today · 4.125%
HK$114,750
baseline
▲ 0.50% · 4.625%
HK$121,732
+HK$6,982/mo
Deposit HK$15.78M · loan HK$23.68M · min. income ≈ HK$229,500/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,677,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,125
−HK$6,490/mo
▼ 0.25% · 3.875%
HK$123,347
−HK$3,268/mo
Today · 4.125%
HK$126,615
baseline
▲ 0.50% · 4.625%
HK$133,289
+HK$6,674/mo
Deposit HK$15.78M · loan HK$23.68M · min. income ≈ HK$253,230/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,677,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,975
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$129,894
−HK$3,981/mo
Today · 4.125%
HK$133,875
baseline
▲ 0.50% · 4.625%
HK$142,021
+HK$8,146/mo
Deposit HK$11.84M · loan HK$27.62M · min. income ≈ HK$267,750/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,677,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,146
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$143,905
−HK$3,813/mo
Today · 4.125%
HK$147,718
baseline
▲ 0.50% · 4.625%
HK$155,504
+HK$7,786/mo
Deposit HK$11.84M · loan HK$27.62M · min. income ≈ HK$295,436/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,677,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,968
−HK$10,157/mo
▼ 0.25% · 3.875%
HK$167,006
−HK$5,119/mo
Today · 4.125%
HK$172,125
baseline
▲ 0.50% · 4.625%
HK$182,598
+HK$10,473/mo
Deposit HK$3.95M · loan HK$35.52M · min. income ≈ HK$344,250/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,677,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,188
−HK$9,735/mo
▼ 0.25% · 3.875%
HK$185,020
−HK$4,903/mo
Today · 4.125%
HK$189,923
baseline
▲ 0.50% · 4.625%
HK$199,934
+HK$10,011/mo
Deposit HK$3.95M · loan HK$35.52M · min. income ≈ HK$379,846/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,677,113 · Scale 2, in force from 26 Feb 2026)