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$90,048
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,849
−HK$2,846/mo
Today · 4.125%
HK$95,695
baseline
▲ 0.50% · 4.625%
HK$101,518
+HK$5,823/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$191,390/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$1,678,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,178
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,864
−HK$2,726/mo
Today · 4.125%
HK$105,590
baseline
▲ 0.50% · 4.625%
HK$111,156
+HK$5,566/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$211,180/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$1,678,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,058
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$111,419
−HK$3,415/mo
Today · 4.125%
HK$114,834
baseline
▲ 0.50% · 4.625%
HK$121,821
+HK$6,987/mo
Deposit HK$15.80M · loan HK$23.69M · min. income ≈ HK$229,668/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,678,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,213
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$123,437
−HK$3,271/mo
Today · 4.125%
HK$126,708
baseline
▲ 0.50% · 4.625%
HK$133,387
+HK$6,679/mo
Deposit HK$15.80M · loan HK$23.69M · min. income ≈ HK$253,416/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,678,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,067
−HK$7,906/mo
▼ 0.25% · 3.875%
HK$129,989
−HK$3,984/mo
Today · 4.125%
HK$133,973
baseline
▲ 0.50% · 4.625%
HK$142,125
+HK$8,152/mo
Deposit HK$11.85M · loan HK$27.64M · min. income ≈ HK$267,946/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,678,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,249
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$144,010
−HK$3,816/mo
Today · 4.125%
HK$147,826
baseline
▲ 0.50% · 4.625%
HK$155,618
+HK$7,792/mo
Deposit HK$11.85M · loan HK$27.64M · min. income ≈ HK$295,652/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,678,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,087
−HK$10,164/mo
▼ 0.25% · 3.875%
HK$167,129
−HK$5,122/mo
Today · 4.125%
HK$172,251
baseline
▲ 0.50% · 4.625%
HK$182,732
+HK$10,481/mo
Deposit HK$3.95M · loan HK$35.54M · min. income ≈ HK$344,502/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,678,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,320
−HK$9,742/mo
▼ 0.25% · 3.875%
HK$185,156
−HK$4,906/mo
Today · 4.125%
HK$190,062
baseline
▲ 0.50% · 4.625%
HK$200,080
+HK$10,018/mo
Deposit HK$3.95M · loan HK$35.54M · min. income ≈ HK$380,124/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,678,342 · Scale 2, in force from 26 Feb 2026)