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$90,324
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$93,133
−HK$2,855/mo
Today · 4.125%
HK$95,988
baseline
▲ 0.50% · 4.625%
HK$101,828
+HK$5,840/mo
Deposit HK$19.81M · loan HK$19.81M · min. income ≈ HK$191,976/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,484
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$103,179
−HK$2,734/mo
Today · 4.125%
HK$105,913
baseline
▲ 0.50% · 4.625%
HK$111,496
+HK$5,583/mo
Deposit HK$19.81M · loan HK$19.81M · min. income ≈ HK$211,826/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,388
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$111,760
−HK$3,425/mo
Today · 4.125%
HK$115,185
baseline
▲ 0.50% · 4.625%
HK$122,194
+HK$7,009/mo
Deposit HK$15.84M · loan HK$23.77M · min. income ≈ HK$230,370/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,581
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$123,815
−HK$3,280/mo
Today · 4.125%
HK$127,095
baseline
▲ 0.50% · 4.625%
HK$133,795
+HK$6,700/mo
Deposit HK$15.84M · loan HK$23.77M · min. income ≈ HK$254,190/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,453
−HK$7,930/mo
▼ 0.25% · 3.875%
HK$130,386
−HK$3,997/mo
Today · 4.125%
HK$134,383
baseline
▲ 0.50% · 4.625%
HK$142,560
+HK$8,177/mo
Deposit HK$11.88M · loan HK$27.73M · min. income ≈ HK$268,766/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,683,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,678
−HK$7,600/mo
▼ 0.25% · 3.875%
HK$144,451
−HK$3,827/mo
Today · 4.125%
HK$148,278
baseline
▲ 0.50% · 4.625%
HK$156,094
+HK$7,816/mo
Deposit HK$11.88M · loan HK$27.73M · min. income ≈ HK$296,556/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,683,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,582
−HK$10,196/mo
▼ 0.25% · 3.875%
HK$167,640
−HK$5,138/mo
Today · 4.125%
HK$172,778
baseline
▲ 0.50% · 4.625%
HK$183,291
+HK$10,513/mo
Deposit HK$3.96M · loan HK$35.65M · min. income ≈ HK$345,556/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,683,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,871
−HK$9,772/mo
▼ 0.25% · 3.875%
HK$185,722
−HK$4,921/mo
Today · 4.125%
HK$190,643
baseline
▲ 0.50% · 4.625%
HK$200,692
+HK$10,049/mo
Deposit HK$3.96M · loan HK$35.65M · min. income ≈ HK$381,286/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,683,474 · Scale 2, in force from 26 Feb 2026)