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$89,729
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$92,520
−HK$2,836/mo
Today · 4.125%
HK$95,356
baseline
▲ 0.50% · 4.625%
HK$101,158
+HK$5,802/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$190,712/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,823
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$102,500
−HK$2,716/mo
Today · 4.125%
HK$105,216
baseline
▲ 0.50% · 4.625%
HK$110,762
+HK$5,546/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$210,432/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,675
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$111,024
−HK$3,403/mo
Today · 4.125%
HK$114,427
baseline
▲ 0.50% · 4.625%
HK$121,390
+HK$6,963/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$228,854/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,672,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,787
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$123,000
−HK$3,259/mo
Today · 4.125%
HK$126,259
baseline
▲ 0.50% · 4.625%
HK$132,914
+HK$6,655/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$252,518/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,672,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,621
−HK$7,877/mo
▼ 0.25% · 3.875%
HK$129,528
−HK$3,970/mo
Today · 4.125%
HK$133,498
baseline
▲ 0.50% · 4.625%
HK$141,621
+HK$8,123/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$266,996/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,752
−HK$7,550/mo
▼ 0.25% · 3.875%
HK$143,500
−HK$3,802/mo
Today · 4.125%
HK$147,302
baseline
▲ 0.50% · 4.625%
HK$155,067
+HK$7,765/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$294,604/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,512
−HK$10,129/mo
▼ 0.25% · 3.875%
HK$166,536
−HK$5,105/mo
Today · 4.125%
HK$171,641
baseline
▲ 0.50% · 4.625%
HK$182,085
+HK$10,444/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$343,282/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,681
−HK$9,708/mo
▼ 0.25% · 3.875%
HK$184,500
−HK$4,889/mo
Today · 4.125%
HK$189,389
baseline
▲ 0.50% · 4.625%
HK$199,371
+HK$9,982/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$378,778/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,394 · Scale 2, in force from 26 Feb 2026)