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$89,835
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$92,629
−HK$2,839/mo
Today · 4.125%
HK$95,468
baseline
▲ 0.50% · 4.625%
HK$101,278
+HK$5,810/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$190,936/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,674,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,941
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$102,621
−HK$2,719/mo
Today · 4.125%
HK$105,340
baseline
▲ 0.50% · 4.625%
HK$110,893
+HK$5,553/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$210,680/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,674,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,802
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,155
−HK$3,407/mo
Today · 4.125%
HK$114,562
baseline
▲ 0.50% · 4.625%
HK$121,533
+HK$6,971/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$229,124/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,929
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$123,145
−HK$3,263/mo
Today · 4.125%
HK$126,408
baseline
▲ 0.50% · 4.625%
HK$133,071
+HK$6,663/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$252,816/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,769
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$129,681
−HK$3,975/mo
Today · 4.125%
HK$133,656
baseline
▲ 0.50% · 4.625%
HK$141,789
+HK$8,133/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$267,312/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,917
−HK$7,559/mo
▼ 0.25% · 3.875%
HK$143,669
−HK$3,807/mo
Today · 4.125%
HK$147,476
baseline
▲ 0.50% · 4.625%
HK$155,250
+HK$7,774/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$294,952/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,703
−HK$10,140/mo
▼ 0.25% · 3.875%
HK$166,733
−HK$5,110/mo
Today · 4.125%
HK$171,843
baseline
▲ 0.50% · 4.625%
HK$182,300
+HK$10,457/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$343,686/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,893
−HK$9,719/mo
▼ 0.25% · 3.875%
HK$184,718
−HK$4,894/mo
Today · 4.125%
HK$189,612
baseline
▲ 0.50% · 4.625%
HK$199,607
+HK$9,995/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$379,224/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,369 · Scale 2, in force from 26 Feb 2026)