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$90,180
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$92,985
−HK$2,850/mo
Today · 4.125%
HK$95,835
baseline
▲ 0.50% · 4.625%
HK$101,667
+HK$5,832/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$191,670/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$1,680,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,324
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$103,015
−HK$2,730/mo
Today · 4.125%
HK$105,745
baseline
▲ 0.50% · 4.625%
HK$111,319
+HK$5,574/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$211,490/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$1,680,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,216
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$111,582
−HK$3,420/mo
Today · 4.125%
HK$115,002
baseline
▲ 0.50% · 4.625%
HK$122,000
+HK$6,998/mo
Deposit HK$15.82M · loan HK$23.73M · min. income ≈ HK$230,004/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,389
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$123,618
−HK$3,276/mo
Today · 4.125%
HK$126,894
baseline
▲ 0.50% · 4.625%
HK$133,582
+HK$6,688/mo
Deposit HK$15.82M · loan HK$23.73M · min. income ≈ HK$253,788/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,252
−HK$7,917/mo
▼ 0.25% · 3.875%
HK$130,179
−HK$3,990/mo
Today · 4.125%
HK$134,169
baseline
▲ 0.50% · 4.625%
HK$142,333
+HK$8,164/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$268,338/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,680,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,454
−HK$7,589/mo
▼ 0.25% · 3.875%
HK$144,221
−HK$3,822/mo
Today · 4.125%
HK$148,043
baseline
▲ 0.50% · 4.625%
HK$155,846
+HK$7,803/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$296,086/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,680,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,324
−HK$10,179/mo
▼ 0.25% · 3.875%
HK$167,373
−HK$5,130/mo
Today · 4.125%
HK$172,503
baseline
▲ 0.50% · 4.625%
HK$183,000
+HK$10,497/mo
Deposit HK$3.95M · loan HK$35.59M · min. income ≈ HK$345,006/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,680,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,584
−HK$9,756/mo
▼ 0.25% · 3.875%
HK$185,427
−HK$4,913/mo
Today · 4.125%
HK$190,340
baseline
▲ 0.50% · 4.625%
HK$200,374
+HK$10,034/mo
Deposit HK$3.95M · loan HK$35.59M · min. income ≈ HK$380,680/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,680,801 · Scale 2, in force from 26 Feb 2026)