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$90,330
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$93,140
−HK$2,854/mo
Today · 4.125%
HK$95,994
baseline
▲ 0.50% · 4.625%
HK$101,835
+HK$5,841/mo
Deposit HK$19.81M · loan HK$19.81M · min. income ≈ HK$191,988/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,491
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$103,186
−HK$2,734/mo
Today · 4.125%
HK$105,920
baseline
▲ 0.50% · 4.625%
HK$111,504
+HK$5,584/mo
Deposit HK$19.81M · loan HK$19.81M · min. income ≈ HK$211,840/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,396
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$111,768
−HK$3,425/mo
Today · 4.125%
HK$115,193
baseline
▲ 0.50% · 4.625%
HK$122,203
+HK$7,010/mo
Deposit HK$15.85M · loan HK$23.77M · min. income ≈ HK$230,386/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,589
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$123,823
−HK$3,281/mo
Today · 4.125%
HK$127,104
baseline
▲ 0.50% · 4.625%
HK$133,804
+HK$6,700/mo
Deposit HK$15.85M · loan HK$23.77M · min. income ≈ HK$254,208/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,462
−HK$7,930/mo
▼ 0.25% · 3.875%
HK$130,396
−HK$3,996/mo
Today · 4.125%
HK$134,392
baseline
▲ 0.50% · 4.625%
HK$142,570
+HK$8,178/mo
Deposit HK$11.88M · loan HK$27.73M · min. income ≈ HK$268,784/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,683,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,688
−HK$7,600/mo
▼ 0.25% · 3.875%
HK$144,461
−HK$3,827/mo
Today · 4.125%
HK$148,288
baseline
▲ 0.50% · 4.625%
HK$156,105
+HK$7,817/mo
Deposit HK$11.88M · loan HK$27.73M · min. income ≈ HK$296,576/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,683,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,594
−HK$10,196/mo
▼ 0.25% · 3.875%
HK$167,651
−HK$5,139/mo
Today · 4.125%
HK$172,790
baseline
▲ 0.50% · 4.625%
HK$183,304
+HK$10,514/mo
Deposit HK$3.96M · loan HK$35.65M · min. income ≈ HK$345,580/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,683,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,884
−HK$9,773/mo
▼ 0.25% · 3.875%
HK$185,735
−HK$4,922/mo
Today · 4.125%
HK$190,657
baseline
▲ 0.50% · 4.625%
HK$200,706
+HK$10,049/mo
Deposit HK$3.96M · loan HK$35.65M · min. income ≈ HK$381,314/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,683,592 · Scale 2, in force from 26 Feb 2026)