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$89,574
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$92,361
−HK$2,830/mo
Today · 4.125%
HK$95,191
baseline
▲ 0.50% · 4.625%
HK$100,984
+HK$5,793/mo
Deposit HK$19.64M · loan HK$19.64M · min. income ≈ HK$190,382/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$1,669,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,651
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$102,323
−HK$2,711/mo
Today · 4.125%
HK$105,034
baseline
▲ 0.50% · 4.625%
HK$110,571
+HK$5,537/mo
Deposit HK$19.64M · loan HK$19.64M · min. income ≈ HK$210,068/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$1,669,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,489
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$110,833
−HK$3,397/mo
Today · 4.125%
HK$114,230
baseline
▲ 0.50% · 4.625%
HK$121,180
+HK$6,950/mo
Deposit HK$15.71M · loan HK$23.57M · min. income ≈ HK$228,460/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,669,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,581
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$122,788
−HK$3,253/mo
Today · 4.125%
HK$126,041
baseline
▲ 0.50% · 4.625%
HK$132,685
+HK$6,644/mo
Deposit HK$15.71M · loan HK$23.57M · min. income ≈ HK$252,082/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,669,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,404
−HK$7,864/mo
▼ 0.25% · 3.875%
HK$129,305
−HK$3,963/mo
Today · 4.125%
HK$133,268
baseline
▲ 0.50% · 4.625%
HK$141,377
+HK$8,109/mo
Deposit HK$11.78M · loan HK$27.50M · min. income ≈ HK$266,536/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,669,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,511
−HK$7,537/mo
▼ 0.25% · 3.875%
HK$143,252
−HK$3,796/mo
Today · 4.125%
HK$147,048
baseline
▲ 0.50% · 4.625%
HK$154,799
+HK$7,751/mo
Deposit HK$11.78M · loan HK$27.50M · min. income ≈ HK$294,096/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,669,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,234
−HK$10,111/mo
▼ 0.25% · 3.875%
HK$166,249
−HK$5,096/mo
Today · 4.125%
HK$171,345
baseline
▲ 0.50% · 4.625%
HK$181,770
+HK$10,425/mo
Deposit HK$3.93M · loan HK$35.35M · min. income ≈ HK$342,690/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,669,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,371
−HK$9,691/mo
▼ 0.25% · 3.875%
HK$184,182
−HK$4,880/mo
Today · 4.125%
HK$189,062
baseline
▲ 0.50% · 4.625%
HK$199,027
+HK$9,965/mo
Deposit HK$3.93M · loan HK$35.35M · min. income ≈ HK$378,124/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,669,509 · Scale 2, in force from 26 Feb 2026)