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$89,851
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,646
−HK$2,840/mo
Today · 4.125%
HK$95,486
baseline
▲ 0.50% · 4.625%
HK$101,296
+HK$5,810/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$190,972/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,674,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,959
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,640
−HK$2,719/mo
Today · 4.125%
HK$105,359
baseline
▲ 0.50% · 4.625%
HK$110,913
+HK$5,554/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$210,718/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,674,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,822
−HK$6,761/mo
▼ 0.25% · 3.875%
HK$111,176
−HK$3,407/mo
Today · 4.125%
HK$114,583
baseline
▲ 0.50% · 4.625%
HK$121,555
+HK$6,972/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$229,166/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,674,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,951
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,168
−HK$3,263/mo
Today · 4.125%
HK$126,431
baseline
▲ 0.50% · 4.625%
HK$133,096
+HK$6,665/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$252,862/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,674,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,792
−HK$7,888/mo
▼ 0.25% · 3.875%
HK$129,705
−HK$3,975/mo
Today · 4.125%
HK$133,680
baseline
▲ 0.50% · 4.625%
HK$141,814
+HK$8,134/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$267,360/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,674,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,942
−HK$7,561/mo
▼ 0.25% · 3.875%
HK$143,696
−HK$3,807/mo
Today · 4.125%
HK$147,503
baseline
▲ 0.50% · 4.625%
HK$155,278
+HK$7,775/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$295,006/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,674,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,733
−HK$10,142/mo
▼ 0.25% · 3.875%
HK$166,763
−HK$5,112/mo
Today · 4.125%
HK$171,875
baseline
▲ 0.50% · 4.625%
HK$182,333
+HK$10,458/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$343,750/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,674,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,926
−HK$9,721/mo
▼ 0.25% · 3.875%
HK$184,752
−HK$4,895/mo
Today · 4.125%
HK$189,647
baseline
▲ 0.50% · 4.625%
HK$199,643
+HK$9,996/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$379,294/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,674,676 · Scale 2, in force from 26 Feb 2026)