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$90,155
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$92,960
−HK$2,849/mo
Today · 4.125%
HK$95,809
baseline
▲ 0.50% · 4.625%
HK$101,638
+HK$5,829/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$191,618/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$1,680,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,297
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$102,987
−HK$2,728/mo
Today · 4.125%
HK$105,715
baseline
▲ 0.50% · 4.625%
HK$111,288
+HK$5,573/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$211,430/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$1,680,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,186
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$111,551
−HK$3,419/mo
Today · 4.125%
HK$114,970
baseline
▲ 0.50% · 4.625%
HK$121,966
+HK$6,996/mo
Deposit HK$15.81M · loan HK$23.72M · min. income ≈ HK$229,940/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,356
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$123,584
−HK$3,275/mo
Today · 4.125%
HK$126,859
baseline
▲ 0.50% · 4.625%
HK$133,545
+HK$6,686/mo
Deposit HK$15.81M · loan HK$23.72M · min. income ≈ HK$253,718/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,217
−HK$7,915/mo
▼ 0.25% · 3.875%
HK$130,143
−HK$3,989/mo
Today · 4.125%
HK$134,132
baseline
▲ 0.50% · 4.625%
HK$142,294
+HK$8,162/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$268,264/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,680,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,415
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$144,181
−HK$3,821/mo
Today · 4.125%
HK$148,002
baseline
▲ 0.50% · 4.625%
HK$155,803
+HK$7,801/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$296,004/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,680,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,279
−HK$10,177/mo
▼ 0.25% · 3.875%
HK$167,327
−HK$5,129/mo
Today · 4.125%
HK$172,456
baseline
▲ 0.50% · 4.625%
HK$182,949
+HK$10,493/mo
Deposit HK$3.95M · loan HK$35.58M · min. income ≈ HK$344,912/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,680,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,534
−HK$9,754/mo
▼ 0.25% · 3.875%
HK$185,376
−HK$4,912/mo
Today · 4.125%
HK$190,288
baseline
▲ 0.50% · 4.625%
HK$200,318
+HK$10,030/mo
Deposit HK$3.95M · loan HK$35.58M · min. income ≈ HK$380,576/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,680,336 · Scale 2, in force from 26 Feb 2026)