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$89,867
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$92,663
−HK$2,840/mo
Today · 4.125%
HK$95,503
baseline
▲ 0.50% · 4.625%
HK$101,314
+HK$5,811/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$191,006/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,674,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,977
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,658
−HK$2,720/mo
Today · 4.125%
HK$105,378
baseline
▲ 0.50% · 4.625%
HK$110,933
+HK$5,555/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$210,756/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,674,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,841
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,195
−HK$3,408/mo
Today · 4.125%
HK$114,603
baseline
▲ 0.50% · 4.625%
HK$121,577
+HK$6,974/mo
Deposit HK$15.76M · loan HK$23.65M · min. income ≈ HK$229,206/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,674,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,972
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$123,189
−HK$3,265/mo
Today · 4.125%
HK$126,454
baseline
▲ 0.50% · 4.625%
HK$133,119
+HK$6,665/mo
Deposit HK$15.76M · loan HK$23.65M · min. income ≈ HK$252,908/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,674,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,814
−HK$7,890/mo
▼ 0.25% · 3.875%
HK$129,728
−HK$3,976/mo
Today · 4.125%
HK$133,704
baseline
▲ 0.50% · 4.625%
HK$141,840
+HK$8,136/mo
Deposit HK$11.82M · loan HK$27.59M · min. income ≈ HK$267,408/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,674,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,967
−HK$7,562/mo
▼ 0.25% · 3.875%
HK$143,721
−HK$3,808/mo
Today · 4.125%
HK$147,529
baseline
▲ 0.50% · 4.625%
HK$155,306
+HK$7,777/mo
Deposit HK$11.82M · loan HK$27.59M · min. income ≈ HK$295,058/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,674,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,761
−HK$10,144/mo
▼ 0.25% · 3.875%
HK$166,793
−HK$5,112/mo
Today · 4.125%
HK$171,905
baseline
▲ 0.50% · 4.625%
HK$182,365
+HK$10,460/mo
Deposit HK$3.94M · loan HK$35.47M · min. income ≈ HK$343,810/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,674,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,958
−HK$9,722/mo
▼ 0.25% · 3.875%
HK$184,784
−HK$4,896/mo
Today · 4.125%
HK$189,680
baseline
▲ 0.50% · 4.625%
HK$199,679
+HK$9,999/mo
Deposit HK$3.94M · loan HK$35.47M · min. income ≈ HK$379,360/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,674,972 · Scale 2, in force from 26 Feb 2026)