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$89,901
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$92,697
−HK$2,842/mo
Today · 4.125%
HK$95,539
baseline
▲ 0.50% · 4.625%
HK$101,352
+HK$5,813/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$191,078/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,675,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,014
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$102,696
−HK$2,721/mo
Today · 4.125%
HK$105,417
baseline
▲ 0.50% · 4.625%
HK$110,974
+HK$5,557/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$210,834/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,675,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,881
−HK$6,765/mo
▼ 0.25% · 3.875%
HK$111,237
−HK$3,409/mo
Today · 4.125%
HK$114,646
baseline
▲ 0.50% · 4.625%
HK$121,622
+HK$6,976/mo
Deposit HK$15.77M · loan HK$23.66M · min. income ≈ HK$229,292/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,675,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,017
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$123,235
−HK$3,266/mo
Today · 4.125%
HK$126,501
baseline
▲ 0.50% · 4.625%
HK$133,169
+HK$6,668/mo
Deposit HK$15.77M · loan HK$23.66M · min. income ≈ HK$253,002/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,675,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,861
−HK$7,893/mo
▼ 0.25% · 3.875%
HK$129,776
−HK$3,978/mo
Today · 4.125%
HK$133,754
baseline
▲ 0.50% · 4.625%
HK$141,893
+HK$8,139/mo
Deposit HK$11.83M · loan HK$27.60M · min. income ≈ HK$267,508/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,675,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,019
−HK$7,565/mo
▼ 0.25% · 3.875%
HK$143,775
−HK$3,809/mo
Today · 4.125%
HK$147,584
baseline
▲ 0.50% · 4.625%
HK$155,364
+HK$7,780/mo
Deposit HK$11.83M · loan HK$27.60M · min. income ≈ HK$295,168/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,675,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,822
−HK$10,147/mo
▼ 0.25% · 3.875%
HK$166,855
−HK$5,114/mo
Today · 4.125%
HK$171,969
baseline
▲ 0.50% · 4.625%
HK$182,433
+HK$10,464/mo
Deposit HK$3.94M · loan HK$35.48M · min. income ≈ HK$343,938/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,025
−HK$9,726/mo
▼ 0.25% · 3.875%
HK$184,853
−HK$4,898/mo
Today · 4.125%
HK$189,751
baseline
▲ 0.50% · 4.625%
HK$199,753
+HK$10,002/mo
Deposit HK$3.94M · loan HK$35.48M · min. income ≈ HK$379,502/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,597 · Scale 2, in force from 26 Feb 2026)