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$89,965
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$92,763
−HK$2,843/mo
Today · 4.125%
HK$95,606
baseline
▲ 0.50% · 4.625%
HK$101,424
+HK$5,818/mo
Deposit HK$19.73M · loan HK$19.73M · min. income ≈ HK$191,212/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$1,676,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,085
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$102,769
−HK$2,723/mo
Today · 4.125%
HK$105,492
baseline
▲ 0.50% · 4.625%
HK$111,053
+HK$5,561/mo
Deposit HK$19.73M · loan HK$19.73M · min. income ≈ HK$210,984/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$1,676,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,958
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$111,316
−HK$3,412/mo
Today · 4.125%
HK$114,728
baseline
▲ 0.50% · 4.625%
HK$121,708
+HK$6,980/mo
Deposit HK$15.78M · loan HK$23.67M · min. income ≈ HK$229,456/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,676,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,102
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$123,323
−HK$3,268/mo
Today · 4.125%
HK$126,591
baseline
▲ 0.50% · 4.625%
HK$133,263
+HK$6,672/mo
Deposit HK$15.78M · loan HK$23.67M · min. income ≈ HK$253,182/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,676,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,951
−HK$7,898/mo
▼ 0.25% · 3.875%
HK$129,868
−HK$3,981/mo
Today · 4.125%
HK$133,849
baseline
▲ 0.50% · 4.625%
HK$141,993
+HK$8,144/mo
Deposit HK$11.84M · loan HK$27.62M · min. income ≈ HK$267,698/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,119
−HK$7,570/mo
▼ 0.25% · 3.875%
HK$143,877
−HK$3,812/mo
Today · 4.125%
HK$147,689
baseline
▲ 0.50% · 4.625%
HK$155,474
+HK$7,785/mo
Deposit HK$11.84M · loan HK$27.62M · min. income ≈ HK$295,378/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,937
−HK$10,154/mo
▼ 0.25% · 3.875%
HK$166,974
−HK$5,117/mo
Today · 4.125%
HK$172,091
baseline
▲ 0.50% · 4.625%
HK$182,563
+HK$10,472/mo
Deposit HK$3.95M · loan HK$35.51M · min. income ≈ HK$344,182/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,153
−HK$9,733/mo
▼ 0.25% · 3.875%
HK$184,984
−HK$4,902/mo
Today · 4.125%
HK$189,886
baseline
▲ 0.50% · 4.625%
HK$199,895
+HK$10,009/mo
Deposit HK$3.95M · loan HK$35.51M · min. income ≈ HK$379,772/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,786 · Scale 2, in force from 26 Feb 2026)