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$90,161
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$92,966
−HK$2,849/mo
Today · 4.125%
HK$95,815
baseline
▲ 0.50% · 4.625%
HK$101,645
+HK$5,830/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$191,630/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$1,680,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,303
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$102,993
−HK$2,729/mo
Today · 4.125%
HK$105,722
baseline
▲ 0.50% · 4.625%
HK$111,295
+HK$5,573/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$211,444/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$1,680,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,193
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$111,559
−HK$3,419/mo
Today · 4.125%
HK$114,978
baseline
▲ 0.50% · 4.625%
HK$121,974
+HK$6,996/mo
Deposit HK$15.82M · loan HK$23.72M · min. income ≈ HK$229,956/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,364
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$123,592
−HK$3,275/mo
Today · 4.125%
HK$126,867
baseline
▲ 0.50% · 4.625%
HK$133,554
+HK$6,687/mo
Deposit HK$15.82M · loan HK$23.72M · min. income ≈ HK$253,734/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,226
−HK$7,915/mo
▼ 0.25% · 3.875%
HK$130,152
−HK$3,989/mo
Today · 4.125%
HK$134,141
baseline
▲ 0.50% · 4.625%
HK$142,303
+HK$8,162/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$268,282/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,680,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,425
−HK$7,586/mo
▼ 0.25% · 3.875%
HK$144,191
−HK$3,820/mo
Today · 4.125%
HK$148,011
baseline
▲ 0.50% · 4.625%
HK$155,813
+HK$7,802/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$296,022/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,680,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,290
−HK$10,177/mo
▼ 0.25% · 3.875%
HK$167,338
−HK$5,129/mo
Today · 4.125%
HK$172,467
baseline
▲ 0.50% · 4.625%
HK$182,961
+HK$10,494/mo
Deposit HK$3.95M · loan HK$35.59M · min. income ≈ HK$344,934/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,680,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,546
−HK$9,754/mo
▼ 0.25% · 3.875%
HK$185,388
−HK$4,912/mo
Today · 4.125%
HK$190,300
baseline
▲ 0.50% · 4.625%
HK$200,331
+HK$10,031/mo
Deposit HK$3.95M · loan HK$35.59M · min. income ≈ HK$380,600/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,680,445 · Scale 2, in force from 26 Feb 2026)