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$89,689
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,479
−HK$2,834/mo
Today · 4.125%
HK$95,313
baseline
▲ 0.50% · 4.625%
HK$101,113
+HK$5,800/mo
Deposit HK$19.67M · loan HK$19.67M · min. income ≈ HK$190,626/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$1,671,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,778
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$102,454
−HK$2,715/mo
Today · 4.125%
HK$105,169
baseline
▲ 0.50% · 4.625%
HK$110,713
+HK$5,544/mo
Deposit HK$19.67M · loan HK$19.67M · min. income ≈ HK$210,338/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$1,671,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,627
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$110,975
−HK$3,401/mo
Today · 4.125%
HK$114,376
baseline
▲ 0.50% · 4.625%
HK$121,336
+HK$6,960/mo
Deposit HK$15.73M · loan HK$23.60M · min. income ≈ HK$228,752/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,671,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,734
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$122,945
−HK$3,258/mo
Today · 4.125%
HK$126,203
baseline
▲ 0.50% · 4.625%
HK$132,855
+HK$6,652/mo
Deposit HK$15.73M · loan HK$23.60M · min. income ≈ HK$252,406/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,671,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,565
−HK$7,874/mo
▼ 0.25% · 3.875%
HK$129,471
−HK$3,968/mo
Today · 4.125%
HK$133,439
baseline
▲ 0.50% · 4.625%
HK$141,558
+HK$8,119/mo
Deposit HK$11.80M · loan HK$27.53M · min. income ≈ HK$266,878/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,671,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,690
−HK$7,547/mo
▼ 0.25% · 3.875%
HK$143,436
−HK$3,801/mo
Today · 4.125%
HK$147,237
baseline
▲ 0.50% · 4.625%
HK$154,998
+HK$7,761/mo
Deposit HK$11.80M · loan HK$27.53M · min. income ≈ HK$294,474/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,671,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,440
−HK$10,124/mo
▼ 0.25% · 3.875%
HK$166,462
−HK$5,102/mo
Today · 4.125%
HK$171,564
baseline
▲ 0.50% · 4.625%
HK$182,003
+HK$10,439/mo
Deposit HK$3.93M · loan HK$35.40M · min. income ≈ HK$343,128/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,671,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,601
−HK$9,703/mo
▼ 0.25% · 3.875%
HK$184,418
−HK$4,886/mo
Today · 4.125%
HK$189,304
baseline
▲ 0.50% · 4.625%
HK$199,283
+HK$9,979/mo
Deposit HK$3.93M · loan HK$35.40M · min. income ≈ HK$378,608/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,671,650 · Scale 2, in force from 26 Feb 2026)