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$89,948
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,746
−HK$2,842/mo
Today · 4.125%
HK$95,588
baseline
▲ 0.50% · 4.625%
HK$101,405
+HK$5,817/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$191,176/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$1,676,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,066
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$102,750
−HK$2,722/mo
Today · 4.125%
HK$105,472
baseline
▲ 0.50% · 4.625%
HK$111,032
+HK$5,560/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$210,944/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$1,676,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,938
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$111,295
−HK$3,411/mo
Today · 4.125%
HK$114,706
baseline
▲ 0.50% · 4.625%
HK$121,686
+HK$6,980/mo
Deposit HK$15.78M · loan HK$23.67M · min. income ≈ HK$229,412/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,676,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,079
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$123,300
−HK$3,267/mo
Today · 4.125%
HK$126,567
baseline
▲ 0.50% · 4.625%
HK$133,238
+HK$6,671/mo
Deposit HK$15.78M · loan HK$23.67M · min. income ≈ HK$253,134/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,676,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,927
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$129,844
−HK$3,980/mo
Today · 4.125%
HK$133,824
baseline
▲ 0.50% · 4.625%
HK$141,967
+HK$8,143/mo
Deposit HK$11.83M · loan HK$27.61M · min. income ≈ HK$267,648/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,093
−HK$7,568/mo
▼ 0.25% · 3.875%
HK$143,850
−HK$3,811/mo
Today · 4.125%
HK$147,661
baseline
▲ 0.50% · 4.625%
HK$155,445
+HK$7,784/mo
Deposit HK$11.83M · loan HK$27.61M · min. income ≈ HK$295,322/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,906
−HK$10,153/mo
▼ 0.25% · 3.875%
HK$166,942
−HK$5,117/mo
Today · 4.125%
HK$172,059
baseline
▲ 0.50% · 4.625%
HK$182,529
+HK$10,470/mo
Deposit HK$3.94M · loan HK$35.50M · min. income ≈ HK$344,118/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,119
−HK$9,731/mo
▼ 0.25% · 3.875%
HK$184,950
−HK$4,900/mo
Today · 4.125%
HK$189,850
baseline
▲ 0.50% · 4.625%
HK$199,858
+HK$10,008/mo
Deposit HK$3.94M · loan HK$35.50M · min. income ≈ HK$379,700/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,473 · Scale 2, in force from 26 Feb 2026)