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$90,172
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$92,977
−HK$2,850/mo
Today · 4.125%
HK$95,827
baseline
▲ 0.50% · 4.625%
HK$101,658
+HK$5,831/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$191,654/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$1,680,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,316
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$103,006
−HK$2,729/mo
Today · 4.125%
HK$105,735
baseline
▲ 0.50% · 4.625%
HK$111,309
+HK$5,574/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$211,470/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$1,680,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,207
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$111,572
−HK$3,420/mo
Today · 4.125%
HK$114,992
baseline
▲ 0.50% · 4.625%
HK$121,989
+HK$6,997/mo
Deposit HK$15.82M · loan HK$23.73M · min. income ≈ HK$229,984/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,379
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$123,607
−HK$3,276/mo
Today · 4.125%
HK$126,883
baseline
▲ 0.50% · 4.625%
HK$133,571
+HK$6,688/mo
Deposit HK$15.82M · loan HK$23.73M · min. income ≈ HK$253,766/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,241
−HK$7,917/mo
▼ 0.25% · 3.875%
HK$130,168
−HK$3,990/mo
Today · 4.125%
HK$134,158
baseline
▲ 0.50% · 4.625%
HK$142,321
+HK$8,163/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$268,316/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,680,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,442
−HK$7,588/mo
▼ 0.25% · 3.875%
HK$144,209
−HK$3,821/mo
Today · 4.125%
HK$148,030
baseline
▲ 0.50% · 4.625%
HK$155,832
+HK$7,802/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$296,060/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,680,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,310
−HK$10,178/mo
▼ 0.25% · 3.875%
HK$167,359
−HK$5,129/mo
Today · 4.125%
HK$172,488
baseline
▲ 0.50% · 4.625%
HK$182,984
+HK$10,496/mo
Deposit HK$3.95M · loan HK$35.59M · min. income ≈ HK$344,976/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,680,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,568
−HK$9,756/mo
▼ 0.25% · 3.875%
HK$185,411
−HK$4,913/mo
Today · 4.125%
HK$190,324
baseline
▲ 0.50% · 4.625%
HK$200,356
+HK$10,032/mo
Deposit HK$3.95M · loan HK$35.59M · min. income ≈ HK$380,648/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,680,653 · Scale 2, in force from 26 Feb 2026)