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$90,206
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$93,012
−HK$2,850/mo
Today · 4.125%
HK$95,862
baseline
▲ 0.50% · 4.625%
HK$101,695
+HK$5,833/mo
Deposit HK$19.78M · loan HK$19.78M · min. income ≈ HK$191,724/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$1,681,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,353
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$103,044
−HK$2,731/mo
Today · 4.125%
HK$105,775
baseline
▲ 0.50% · 4.625%
HK$111,350
+HK$5,575/mo
Deposit HK$19.78M · loan HK$19.78M · min. income ≈ HK$211,550/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$1,681,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,247
−HK$6,788/mo
▼ 0.25% · 3.875%
HK$111,614
−HK$3,421/mo
Today · 4.125%
HK$115,035
baseline
▲ 0.50% · 4.625%
HK$122,035
+HK$7,000/mo
Deposit HK$15.82M · loan HK$23.74M · min. income ≈ HK$230,070/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,681,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,424
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$123,653
−HK$3,277/mo
Today · 4.125%
HK$126,930
baseline
▲ 0.50% · 4.625%
HK$133,620
+HK$6,690/mo
Deposit HK$15.82M · loan HK$23.74M · min. income ≈ HK$253,860/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,681,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,288
−HK$7,919/mo
▼ 0.25% · 3.875%
HK$130,216
−HK$3,991/mo
Today · 4.125%
HK$134,207
baseline
▲ 0.50% · 4.625%
HK$142,374
+HK$8,167/mo
Deposit HK$11.87M · loan HK$27.69M · min. income ≈ HK$268,414/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,681,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,494
−HK$7,591/mo
▼ 0.25% · 3.875%
HK$144,262
−HK$3,823/mo
Today · 4.125%
HK$148,085
baseline
▲ 0.50% · 4.625%
HK$155,890
+HK$7,805/mo
Deposit HK$11.87M · loan HK$27.69M · min. income ≈ HK$296,170/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,681,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,370
−HK$10,182/mo
▼ 0.25% · 3.875%
HK$167,421
−HK$5,131/mo
Today · 4.125%
HK$172,552
baseline
▲ 0.50% · 4.625%
HK$183,052
+HK$10,500/mo
Deposit HK$3.96M · loan HK$35.60M · min. income ≈ HK$345,104/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,681,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,635
−HK$9,760/mo
▼ 0.25% · 3.875%
HK$185,480
−HK$4,915/mo
Today · 4.125%
HK$190,395
baseline
▲ 0.50% · 4.625%
HK$200,431
+HK$10,036/mo
Deposit HK$3.96M · loan HK$35.60M · min. income ≈ HK$380,790/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,681,278 · Scale 2, in force from 26 Feb 2026)