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$89,713
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$92,504
−HK$2,835/mo
Today · 4.125%
HK$95,339
baseline
▲ 0.50% · 4.625%
HK$101,140
+HK$5,801/mo
Deposit HK$19.67M · loan HK$19.67M · min. income ≈ HK$190,678/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$1,672,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,805
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$102,482
−HK$2,715/mo
Today · 4.125%
HK$105,197
baseline
▲ 0.50% · 4.625%
HK$110,742
+HK$5,545/mo
Deposit HK$19.67M · loan HK$19.67M · min. income ≈ HK$210,394/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$1,672,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,656
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$111,004
−HK$3,403/mo
Today · 4.125%
HK$114,407
baseline
▲ 0.50% · 4.625%
HK$121,368
+HK$6,961/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$228,814/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,672,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,766
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$122,978
−HK$3,258/mo
Today · 4.125%
HK$126,236
baseline
▲ 0.50% · 4.625%
HK$132,890
+HK$6,654/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$252,472/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,672,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,598
−HK$7,876/mo
▼ 0.25% · 3.875%
HK$129,505
−HK$3,969/mo
Today · 4.125%
HK$133,474
baseline
▲ 0.50% · 4.625%
HK$141,596
+HK$8,122/mo
Deposit HK$11.80M · loan HK$27.54M · min. income ≈ HK$266,948/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,727
−HK$7,549/mo
▼ 0.25% · 3.875%
HK$143,474
−HK$3,802/mo
Today · 4.125%
HK$147,276
baseline
▲ 0.50% · 4.625%
HK$155,039
+HK$7,763/mo
Deposit HK$11.80M · loan HK$27.54M · min. income ≈ HK$294,552/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,483
−HK$10,127/mo
▼ 0.25% · 3.875%
HK$166,506
−HK$5,104/mo
Today · 4.125%
HK$171,610
baseline
▲ 0.50% · 4.625%
HK$182,052
+HK$10,442/mo
Deposit HK$3.93M · loan HK$35.41M · min. income ≈ HK$343,220/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,649
−HK$9,706/mo
▼ 0.25% · 3.875%
HK$184,467
−HK$4,888/mo
Today · 4.125%
HK$189,355
baseline
▲ 0.50% · 4.625%
HK$199,336
+HK$9,981/mo
Deposit HK$3.93M · loan HK$35.41M · min. income ≈ HK$378,710/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,094 · Scale 2, in force from 26 Feb 2026)