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$90,178
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$92,983
−HK$2,850/mo
Today · 4.125%
HK$95,833
baseline
▲ 0.50% · 4.625%
HK$101,664
+HK$5,831/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$191,666/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$1,680,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,322
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$103,013
−HK$2,729/mo
Today · 4.125%
HK$105,742
baseline
▲ 0.50% · 4.625%
HK$111,316
+HK$5,574/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$211,484/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$1,680,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,214
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$111,580
−HK$3,420/mo
Today · 4.125%
HK$115,000
baseline
▲ 0.50% · 4.625%
HK$121,997
+HK$6,997/mo
Deposit HK$15.82M · loan HK$23.73M · min. income ≈ HK$230,000/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,387
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$123,615
−HK$3,276/mo
Today · 4.125%
HK$126,891
baseline
▲ 0.50% · 4.625%
HK$133,579
+HK$6,688/mo
Deposit HK$15.82M · loan HK$23.73M · min. income ≈ HK$253,782/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,249
−HK$7,917/mo
▼ 0.25% · 3.875%
HK$130,176
−HK$3,990/mo
Today · 4.125%
HK$134,166
baseline
▲ 0.50% · 4.625%
HK$142,330
+HK$8,164/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$268,332/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,680,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,451
−HK$7,588/mo
▼ 0.25% · 3.875%
HK$144,218
−HK$3,821/mo
Today · 4.125%
HK$148,039
baseline
▲ 0.50% · 4.625%
HK$155,843
+HK$7,804/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$296,078/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,680,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,320
−HK$10,179/mo
▼ 0.25% · 3.875%
HK$167,370
−HK$5,129/mo
Today · 4.125%
HK$172,499
baseline
▲ 0.50% · 4.625%
HK$182,996
+HK$10,497/mo
Deposit HK$3.95M · loan HK$35.59M · min. income ≈ HK$344,998/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,680,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,580
−HK$9,756/mo
▼ 0.25% · 3.875%
HK$185,423
−HK$4,913/mo
Today · 4.125%
HK$190,336
baseline
▲ 0.50% · 4.625%
HK$200,369
+HK$10,033/mo
Deposit HK$3.95M · loan HK$35.59M · min. income ≈ HK$380,672/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,680,762 · Scale 2, in force from 26 Feb 2026)