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$90,214
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$93,020
−HK$2,851/mo
Today · 4.125%
HK$95,871
baseline
▲ 0.50% · 4.625%
HK$101,704
+HK$5,833/mo
Deposit HK$19.78M · loan HK$19.78M · min. income ≈ HK$191,742/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$1,681,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,362
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$103,054
−HK$2,730/mo
Today · 4.125%
HK$105,784
baseline
▲ 0.50% · 4.625%
HK$111,360
+HK$5,576/mo
Deposit HK$19.78M · loan HK$19.78M · min. income ≈ HK$211,568/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$1,681,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,257
−HK$6,788/mo
▼ 0.25% · 3.875%
HK$111,624
−HK$3,421/mo
Today · 4.125%
HK$115,045
baseline
▲ 0.50% · 4.625%
HK$122,045
+HK$7,000/mo
Deposit HK$15.83M · loan HK$23.74M · min. income ≈ HK$230,090/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,681,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,434
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$123,664
−HK$3,277/mo
Today · 4.125%
HK$126,941
baseline
▲ 0.50% · 4.625%
HK$133,632
+HK$6,691/mo
Deposit HK$15.83M · loan HK$23.74M · min. income ≈ HK$253,882/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,681,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,299
−HK$7,920/mo
▼ 0.25% · 3.875%
HK$130,228
−HK$3,991/mo
Today · 4.125%
HK$134,219
baseline
▲ 0.50% · 4.625%
HK$142,386
+HK$8,167/mo
Deposit HK$11.87M · loan HK$27.69M · min. income ≈ HK$268,438/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,681,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,507
−HK$7,591/mo
▼ 0.25% · 3.875%
HK$144,275
−HK$3,823/mo
Today · 4.125%
HK$148,098
baseline
▲ 0.50% · 4.625%
HK$155,904
+HK$7,806/mo
Deposit HK$11.87M · loan HK$27.69M · min. income ≈ HK$296,196/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,681,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,385
−HK$10,183/mo
▼ 0.25% · 3.875%
HK$167,436
−HK$5,132/mo
Today · 4.125%
HK$172,568
baseline
▲ 0.50% · 4.625%
HK$183,068
+HK$10,500/mo
Deposit HK$3.96M · loan HK$35.61M · min. income ≈ HK$345,136/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,681,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,651
−HK$9,760/mo
▼ 0.25% · 3.875%
HK$185,496
−HK$4,915/mo
Today · 4.125%
HK$190,411
baseline
▲ 0.50% · 4.625%
HK$200,448
+HK$10,037/mo
Deposit HK$3.96M · loan HK$35.61M · min. income ≈ HK$380,822/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,681,427 · Scale 2, in force from 26 Feb 2026)