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$90,005
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$92,804
−HK$2,845/mo
Today · 4.125%
HK$95,649
baseline
▲ 0.50% · 4.625%
HK$101,469
+HK$5,820/mo
Deposit HK$19.74M · loan HK$19.74M · min. income ≈ HK$191,298/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,677,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,129
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$102,815
−HK$2,724/mo
Today · 4.125%
HK$105,539
baseline
▲ 0.50% · 4.625%
HK$111,102
+HK$5,563/mo
Deposit HK$19.74M · loan HK$19.74M · min. income ≈ HK$211,078/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,677,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,006
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$111,365
−HK$3,414/mo
Today · 4.125%
HK$114,779
baseline
▲ 0.50% · 4.625%
HK$121,763
+HK$6,984/mo
Deposit HK$15.79M · loan HK$23.68M · min. income ≈ HK$229,558/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,677,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,155
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$123,378
−HK$3,269/mo
Today · 4.125%
HK$126,647
baseline
▲ 0.50% · 4.625%
HK$133,323
+HK$6,676/mo
Deposit HK$15.79M · loan HK$23.68M · min. income ≈ HK$253,294/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,677,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,007
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$129,926
−HK$3,982/mo
Today · 4.125%
HK$133,908
baseline
▲ 0.50% · 4.625%
HK$142,056
+HK$8,148/mo
Deposit HK$11.84M · loan HK$27.63M · min. income ≈ HK$267,816/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,677,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,181
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$143,941
−HK$3,814/mo
Today · 4.125%
HK$147,755
baseline
▲ 0.50% · 4.625%
HK$155,543
+HK$7,788/mo
Deposit HK$11.84M · loan HK$27.63M · min. income ≈ HK$295,510/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,677,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,008
−HK$10,160/mo
▼ 0.25% · 3.875%
HK$167,048
−HK$5,120/mo
Today · 4.125%
HK$172,168
baseline
▲ 0.50% · 4.625%
HK$182,644
+HK$10,476/mo
Deposit HK$3.95M · loan HK$35.52M · min. income ≈ HK$344,336/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,677,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,233
−HK$9,737/mo
▼ 0.25% · 3.875%
HK$185,067
−HK$4,903/mo
Today · 4.125%
HK$189,970
baseline
▲ 0.50% · 4.625%
HK$199,984
+HK$10,014/mo
Deposit HK$3.95M · loan HK$35.52M · min. income ≈ HK$379,940/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,677,531 · Scale 2, in force from 26 Feb 2026)