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$90,068
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$92,870
−HK$2,846/mo
Today · 4.125%
HK$95,716
baseline
▲ 0.50% · 4.625%
HK$101,540
+HK$5,824/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$191,432/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$1,678,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,200
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$102,887
−HK$2,727/mo
Today · 4.125%
HK$105,614
baseline
▲ 0.50% · 4.625%
HK$111,181
+HK$5,567/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$211,228/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$1,678,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,082
−HK$6,778/mo
▼ 0.25% · 3.875%
HK$111,444
−HK$3,416/mo
Today · 4.125%
HK$114,860
baseline
▲ 0.50% · 4.625%
HK$121,849
+HK$6,989/mo
Deposit HK$15.80M · loan HK$23.70M · min. income ≈ HK$229,720/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,678,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,240
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$123,465
−HK$3,271/mo
Today · 4.125%
HK$126,736
baseline
▲ 0.50% · 4.625%
HK$133,417
+HK$6,681/mo
Deposit HK$15.80M · loan HK$23.70M · min. income ≈ HK$253,472/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,678,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,096
−HK$7,907/mo
▼ 0.25% · 3.875%
HK$130,018
−HK$3,985/mo
Today · 4.125%
HK$134,003
baseline
▲ 0.50% · 4.625%
HK$142,157
+HK$8,154/mo
Deposit HK$11.85M · loan HK$27.65M · min. income ≈ HK$268,006/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,678,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,280
−HK$7,579/mo
▼ 0.25% · 3.875%
HK$144,042
−HK$3,817/mo
Today · 4.125%
HK$147,859
baseline
▲ 0.50% · 4.625%
HK$155,653
+HK$7,794/mo
Deposit HK$11.85M · loan HK$27.65M · min. income ≈ HK$295,718/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,678,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,123
−HK$10,166/mo
▼ 0.25% · 3.875%
HK$167,166
−HK$5,123/mo
Today · 4.125%
HK$172,289
baseline
▲ 0.50% · 4.625%
HK$182,773
+HK$10,484/mo
Deposit HK$3.95M · loan HK$35.55M · min. income ≈ HK$344,578/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,678,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,360
−HK$9,744/mo
▼ 0.25% · 3.875%
HK$185,197
−HK$4,907/mo
Today · 4.125%
HK$190,104
baseline
▲ 0.50% · 4.625%
HK$200,125
+HK$10,021/mo
Deposit HK$3.95M · loan HK$35.55M · min. income ≈ HK$380,208/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,678,716 · Scale 2, in force from 26 Feb 2026)