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$89,597
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$92,384
−HK$2,831/mo
Today · 4.125%
HK$95,215
baseline
▲ 0.50% · 4.625%
HK$101,009
+HK$5,794/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$190,430/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,669,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,675
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$102,349
−HK$2,711/mo
Today · 4.125%
HK$105,060
baseline
▲ 0.50% · 4.625%
HK$110,598
+HK$5,538/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$210,120/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,669,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,516
−HK$6,742/mo
▼ 0.25% · 3.875%
HK$110,860
−HK$3,398/mo
Today · 4.125%
HK$114,258
baseline
▲ 0.50% · 4.625%
HK$121,210
+HK$6,952/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$228,516/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,669,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,610
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$122,818
−HK$3,255/mo
Today · 4.125%
HK$126,073
baseline
▲ 0.50% · 4.625%
HK$132,718
+HK$6,645/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$252,146/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,669,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,435
−HK$7,866/mo
▼ 0.25% · 3.875%
HK$129,337
−HK$3,964/mo
Today · 4.125%
HK$133,301
baseline
▲ 0.50% · 4.625%
HK$141,412
+HK$8,111/mo
Deposit HK$11.79M · loan HK$27.50M · min. income ≈ HK$266,602/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,669,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,545
−HK$7,540/mo
▼ 0.25% · 3.875%
HK$143,288
−HK$3,797/mo
Today · 4.125%
HK$147,085
baseline
▲ 0.50% · 4.625%
HK$154,838
+HK$7,753/mo
Deposit HK$11.79M · loan HK$27.50M · min. income ≈ HK$294,170/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,669,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,274
−HK$10,113/mo
▼ 0.25% · 3.875%
HK$166,290
−HK$5,097/mo
Today · 4.125%
HK$171,387
baseline
▲ 0.50% · 4.625%
HK$181,816
+HK$10,429/mo
Deposit HK$3.93M · loan HK$35.36M · min. income ≈ HK$342,774/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,669,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,416
−HK$9,693/mo
▼ 0.25% · 3.875%
HK$184,227
−HK$4,882/mo
Today · 4.125%
HK$189,109
baseline
▲ 0.50% · 4.625%
HK$199,077
+HK$9,968/mo
Deposit HK$3.93M · loan HK$35.36M · min. income ≈ HK$378,218/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,669,925 · Scale 2, in force from 26 Feb 2026)