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$89,857
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,652
−HK$2,840/mo
Today · 4.125%
HK$95,492
baseline
▲ 0.50% · 4.625%
HK$101,302
+HK$5,810/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$190,984/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,674,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,965
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,646
−HK$2,720/mo
Today · 4.125%
HK$105,366
baseline
▲ 0.50% · 4.625%
HK$110,919
+HK$5,553/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$210,732/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,674,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,828
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,182
−HK$3,408/mo
Today · 4.125%
HK$114,590
baseline
▲ 0.50% · 4.625%
HK$121,562
+HK$6,972/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$229,180/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,674,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,958
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$123,175
−HK$3,264/mo
Today · 4.125%
HK$126,439
baseline
▲ 0.50% · 4.625%
HK$133,103
+HK$6,664/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$252,878/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,674,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,799
−HK$7,889/mo
▼ 0.25% · 3.875%
HK$129,713
−HK$3,975/mo
Today · 4.125%
HK$133,688
baseline
▲ 0.50% · 4.625%
HK$141,823
+HK$8,135/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$267,376/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,674,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,951
−HK$7,561/mo
▼ 0.25% · 3.875%
HK$143,704
−HK$3,808/mo
Today · 4.125%
HK$147,512
baseline
▲ 0.50% · 4.625%
HK$155,287
+HK$7,775/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$295,024/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,674,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,742
−HK$10,143/mo
▼ 0.25% · 3.875%
HK$166,773
−HK$5,112/mo
Today · 4.125%
HK$171,885
baseline
▲ 0.50% · 4.625%
HK$182,344
+HK$10,459/mo
Deposit HK$3.94M · loan HK$35.47M · min. income ≈ HK$343,770/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,674,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,937
−HK$9,721/mo
▼ 0.25% · 3.875%
HK$184,762
−HK$4,896/mo
Today · 4.125%
HK$189,658
baseline
▲ 0.50% · 4.625%
HK$199,655
+HK$9,997/mo
Deposit HK$3.94M · loan HK$35.47M · min. income ≈ HK$379,316/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,674,774 · Scale 2, in force from 26 Feb 2026)