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$89,536
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$92,321
−HK$2,830/mo
Today · 4.125%
HK$95,151
baseline
▲ 0.50% · 4.625%
HK$100,941
+HK$5,790/mo
Deposit HK$19.63M · loan HK$19.63M · min. income ≈ HK$190,302/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$1,668,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,608
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$102,280
−HK$2,710/mo
Today · 4.125%
HK$104,990
baseline
▲ 0.50% · 4.625%
HK$110,524
+HK$5,534/mo
Deposit HK$19.63M · loan HK$19.63M · min. income ≈ HK$209,980/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$1,668,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,444
−HK$6,737/mo
▼ 0.25% · 3.875%
HK$110,786
−HK$3,395/mo
Today · 4.125%
HK$114,181
baseline
▲ 0.50% · 4.625%
HK$121,129
+HK$6,948/mo
Deposit HK$15.71M · loan HK$23.56M · min. income ≈ HK$228,362/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,668,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,530
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$122,736
−HK$3,252/mo
Today · 4.125%
HK$125,988
baseline
▲ 0.50% · 4.625%
HK$132,629
+HK$6,641/mo
Deposit HK$15.71M · loan HK$23.56M · min. income ≈ HK$251,976/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,668,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,351
−HK$7,860/mo
▼ 0.25% · 3.875%
HK$129,250
−HK$3,961/mo
Today · 4.125%
HK$133,211
baseline
▲ 0.50% · 4.625%
HK$141,317
+HK$8,106/mo
Deposit HK$11.78M · loan HK$27.49M · min. income ≈ HK$266,422/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,668,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,452
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$143,192
−HK$3,794/mo
Today · 4.125%
HK$146,986
baseline
▲ 0.50% · 4.625%
HK$154,734
+HK$7,748/mo
Deposit HK$11.78M · loan HK$27.49M · min. income ≈ HK$293,972/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,668,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,165
−HK$10,107/mo
▼ 0.25% · 3.875%
HK$166,179
−HK$5,093/mo
Today · 4.125%
HK$171,272
baseline
▲ 0.50% · 4.625%
HK$181,693
+HK$10,421/mo
Deposit HK$3.93M · loan HK$35.34M · min. income ≈ HK$342,544/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,668,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,295
−HK$9,687/mo
▼ 0.25% · 3.875%
HK$184,103
−HK$4,879/mo
Today · 4.125%
HK$188,982
baseline
▲ 0.50% · 4.625%
HK$198,943
+HK$9,961/mo
Deposit HK$3.93M · loan HK$35.34M · min. income ≈ HK$377,964/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,668,801 · Scale 2, in force from 26 Feb 2026)