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$89,696
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$92,486
−HK$2,835/mo
Today · 4.125%
HK$95,321
baseline
▲ 0.50% · 4.625%
HK$101,121
+HK$5,800/mo
Deposit HK$19.67M · loan HK$19.67M · min. income ≈ HK$190,642/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$1,671,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,786
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$102,462
−HK$2,715/mo
Today · 4.125%
HK$105,177
baseline
▲ 0.50% · 4.625%
HK$110,721
+HK$5,544/mo
Deposit HK$19.67M · loan HK$19.67M · min. income ≈ HK$210,354/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$1,671,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,635
−HK$6,750/mo
▼ 0.25% · 3.875%
HK$110,983
−HK$3,402/mo
Today · 4.125%
HK$114,385
baseline
▲ 0.50% · 4.625%
HK$121,345
+HK$6,960/mo
Deposit HK$15.73M · loan HK$23.60M · min. income ≈ HK$228,770/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,671,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,743
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$122,955
−HK$3,257/mo
Today · 4.125%
HK$126,212
baseline
▲ 0.50% · 4.625%
HK$132,865
+HK$6,653/mo
Deposit HK$15.73M · loan HK$23.60M · min. income ≈ HK$252,424/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,671,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,574
−HK$7,875/mo
▼ 0.25% · 3.875%
HK$129,481
−HK$3,968/mo
Today · 4.125%
HK$133,449
baseline
▲ 0.50% · 4.625%
HK$141,569
+HK$8,120/mo
Deposit HK$11.80M · loan HK$27.54M · min. income ≈ HK$266,898/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,671,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,700
−HK$7,548/mo
▼ 0.25% · 3.875%
HK$143,447
−HK$3,801/mo
Today · 4.125%
HK$147,248
baseline
▲ 0.50% · 4.625%
HK$155,010
+HK$7,762/mo
Deposit HK$11.80M · loan HK$27.54M · min. income ≈ HK$294,496/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,671,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,453
−HK$10,124/mo
▼ 0.25% · 3.875%
HK$166,475
−HK$5,102/mo
Today · 4.125%
HK$171,577
baseline
▲ 0.50% · 4.625%
HK$182,017
+HK$10,440/mo
Deposit HK$3.93M · loan HK$35.40M · min. income ≈ HK$343,154/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,671,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,615
−HK$9,704/mo
▼ 0.25% · 3.875%
HK$184,432
−HK$4,887/mo
Today · 4.125%
HK$189,319
baseline
▲ 0.50% · 4.625%
HK$199,298
+HK$9,979/mo
Deposit HK$3.93M · loan HK$35.40M · min. income ≈ HK$378,638/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,671,778 · Scale 2, in force from 26 Feb 2026)