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$89,659
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$92,448
−HK$2,833/mo
Today · 4.125%
HK$95,281
baseline
▲ 0.50% · 4.625%
HK$101,079
+HK$5,798/mo
Deposit HK$19.66M · loan HK$19.66M · min. income ≈ HK$190,562/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$1,671,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,745
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$102,420
−HK$2,714/mo
Today · 4.125%
HK$105,134
baseline
▲ 0.50% · 4.625%
HK$110,675
+HK$5,541/mo
Deposit HK$19.66M · loan HK$19.66M · min. income ≈ HK$210,268/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$1,671,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,591
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$110,937
−HK$3,401/mo
Today · 4.125%
HK$114,338
baseline
▲ 0.50% · 4.625%
HK$121,295
+HK$6,957/mo
Deposit HK$15.73M · loan HK$23.59M · min. income ≈ HK$228,676/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,671,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,694
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$122,904
−HK$3,256/mo
Today · 4.125%
HK$126,160
baseline
▲ 0.50% · 4.625%
HK$132,810
+HK$6,650/mo
Deposit HK$15.73M · loan HK$23.59M · min. income ≈ HK$252,320/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,671,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,522
−HK$7,872/mo
▼ 0.25% · 3.875%
HK$129,427
−HK$3,967/mo
Today · 4.125%
HK$133,394
baseline
▲ 0.50% · 4.625%
HK$141,511
+HK$8,117/mo
Deposit HK$11.80M · loan HK$27.52M · min. income ≈ HK$266,788/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,671,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,642
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$143,388
−HK$3,799/mo
Today · 4.125%
HK$147,187
baseline
▲ 0.50% · 4.625%
HK$154,945
+HK$7,758/mo
Deposit HK$11.80M · loan HK$27.52M · min. income ≈ HK$294,374/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,671,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,386
−HK$10,120/mo
▼ 0.25% · 3.875%
HK$166,406
−HK$5,100/mo
Today · 4.125%
HK$171,506
baseline
▲ 0.50% · 4.625%
HK$181,942
+HK$10,436/mo
Deposit HK$3.93M · loan HK$35.39M · min. income ≈ HK$343,012/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,671,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,540
−HK$9,700/mo
▼ 0.25% · 3.875%
HK$184,355
−HK$4,885/mo
Today · 4.125%
HK$189,240
baseline
▲ 0.50% · 4.625%
HK$199,215
+HK$9,975/mo
Deposit HK$3.93M · loan HK$35.39M · min. income ≈ HK$378,480/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,671,086 · Scale 2, in force from 26 Feb 2026)