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$92,360
−HK$2,831/mo
Today · 4.125%
HK$95,191
baseline
▲ 0.50% · 4.625%
HK$100,983
+HK$5,792/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$1,669,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,650
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$102,322
−HK$2,711/mo
Today · 4.125%
HK$105,033
baseline
▲ 0.50% · 4.625%
HK$110,570
+HK$5,537/mo
Deposit HK$19.64M · loan HK$19.64M · min. income ≈ HK$210,066/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$1,669,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,488
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$110,832
−HK$3,397/mo
Today · 4.125%
HK$114,229
baseline
▲ 0.50% · 4.625%
HK$121,179
+HK$6,950/mo
Deposit HK$15.71M · loan HK$23.57M · min. income ≈ HK$228,458/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,669,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,580
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$122,787
−HK$3,253/mo
Today · 4.125%
HK$126,040
baseline
▲ 0.50% · 4.625%
HK$132,684
+HK$6,644/mo
Deposit HK$15.71M · loan HK$23.57M · min. income ≈ HK$252,080/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,669,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,403
−HK$7,864/mo
▼ 0.25% · 3.875%
HK$129,304
−HK$3,963/mo
Today · 4.125%
HK$133,267
baseline
▲ 0.50% · 4.625%
HK$141,376
+HK$8,109/mo
Deposit HK$11.78M · loan HK$27.50M · min. income ≈ HK$266,534/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,669,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,510
−HK$7,537/mo
▼ 0.25% · 3.875%
HK$143,251
−HK$3,796/mo
Today · 4.125%
HK$147,047
baseline
▲ 0.50% · 4.625%
HK$154,798
+HK$7,751/mo
Deposit HK$11.78M · loan HK$27.50M · min. income ≈ HK$294,094/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,669,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,232
−HK$10,111/mo
▼ 0.25% · 3.875%
HK$166,248
−HK$5,095/mo
Today · 4.125%
HK$171,343
baseline
▲ 0.50% · 4.625%
HK$181,769
+HK$10,426/mo
Deposit HK$3.93M · loan HK$35.35M · min. income ≈ HK$342,686/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,669,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,369
−HK$9,691/mo
▼ 0.25% · 3.875%
HK$184,180
−HK$4,880/mo
Today · 4.125%
HK$189,060
baseline
▲ 0.50% · 4.625%
HK$199,026
+HK$9,966/mo
Deposit HK$3.93M · loan HK$35.35M · min. income ≈ HK$378,120/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,669,496 · Scale 2, in force from 26 Feb 2026)