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$90,065
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$92,867
−HK$2,846/mo
Today · 4.125%
HK$95,713
baseline
▲ 0.50% · 4.625%
HK$101,537
+HK$5,824/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$191,426/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$1,678,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,197
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,884
−HK$2,726/mo
Today · 4.125%
HK$105,610
baseline
▲ 0.50% · 4.625%
HK$111,177
+HK$5,567/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$211,220/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$1,678,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,078
−HK$6,778/mo
▼ 0.25% · 3.875%
HK$111,440
−HK$3,416/mo
Today · 4.125%
HK$114,856
baseline
▲ 0.50% · 4.625%
HK$121,844
+HK$6,988/mo
Deposit HK$15.80M · loan HK$23.70M · min. income ≈ HK$229,712/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,678,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,236
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$123,461
−HK$3,271/mo
Today · 4.125%
HK$126,732
baseline
▲ 0.50% · 4.625%
HK$133,412
+HK$6,680/mo
Deposit HK$15.80M · loan HK$23.70M · min. income ≈ HK$253,464/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,678,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,091
−HK$7,907/mo
▼ 0.25% · 3.875%
HK$130,013
−HK$3,985/mo
Today · 4.125%
HK$133,998
baseline
▲ 0.50% · 4.625%
HK$142,152
+HK$8,154/mo
Deposit HK$11.85M · loan HK$27.65M · min. income ≈ HK$267,996/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,678,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,275
−HK$7,579/mo
▼ 0.25% · 3.875%
HK$144,037
−HK$3,817/mo
Today · 4.125%
HK$147,854
baseline
▲ 0.50% · 4.625%
HK$155,647
+HK$7,793/mo
Deposit HK$11.85M · loan HK$27.65M · min. income ≈ HK$295,708/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,678,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,117
−HK$10,166/mo
▼ 0.25% · 3.875%
HK$167,160
−HK$5,123/mo
Today · 4.125%
HK$172,283
baseline
▲ 0.50% · 4.625%
HK$182,766
+HK$10,483/mo
Deposit HK$3.95M · loan HK$35.55M · min. income ≈ HK$344,566/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,678,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,354
−HK$9,744/mo
▼ 0.25% · 3.875%
HK$185,191
−HK$4,907/mo
Today · 4.125%
HK$190,098
baseline
▲ 0.50% · 4.625%
HK$200,118
+HK$10,020/mo
Deposit HK$3.95M · loan HK$35.55M · min. income ≈ HK$380,196/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,678,658 · Scale 2, in force from 26 Feb 2026)