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$89,701
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$92,491
−HK$2,835/mo
Today · 4.125%
HK$95,326
baseline
▲ 0.50% · 4.625%
HK$101,126
+HK$5,800/mo
Deposit HK$19.67M · loan HK$19.67M · min. income ≈ HK$190,652/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$1,671,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,791
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$102,468
−HK$2,715/mo
Today · 4.125%
HK$105,183
baseline
▲ 0.50% · 4.625%
HK$110,727
+HK$5,544/mo
Deposit HK$19.67M · loan HK$19.67M · min. income ≈ HK$210,366/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$1,671,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,641
−HK$6,750/mo
▼ 0.25% · 3.875%
HK$110,989
−HK$3,402/mo
Today · 4.125%
HK$114,391
baseline
▲ 0.50% · 4.625%
HK$121,352
+HK$6,961/mo
Deposit HK$15.74M · loan HK$23.60M · min. income ≈ HK$228,782/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,671,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,750
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$122,961
−HK$3,258/mo
Today · 4.125%
HK$126,219
baseline
▲ 0.50% · 4.625%
HK$132,873
+HK$6,654/mo
Deposit HK$15.74M · loan HK$23.60M · min. income ≈ HK$252,438/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,671,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,581
−HK$7,875/mo
▼ 0.25% · 3.875%
HK$129,488
−HK$3,968/mo
Today · 4.125%
HK$133,456
baseline
▲ 0.50% · 4.625%
HK$141,577
+HK$8,121/mo
Deposit HK$11.80M · loan HK$27.54M · min. income ≈ HK$266,912/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,671,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,708
−HK$7,548/mo
▼ 0.25% · 3.875%
HK$143,455
−HK$3,801/mo
Today · 4.125%
HK$147,256
baseline
▲ 0.50% · 4.625%
HK$155,018
+HK$7,762/mo
Deposit HK$11.80M · loan HK$27.54M · min. income ≈ HK$294,512/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,671,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,462
−HK$10,125/mo
▼ 0.25% · 3.875%
HK$166,484
−HK$5,103/mo
Today · 4.125%
HK$171,587
baseline
▲ 0.50% · 4.625%
HK$182,027
+HK$10,440/mo
Deposit HK$3.93M · loan HK$35.40M · min. income ≈ HK$343,174/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,671,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,625
−HK$9,704/mo
▼ 0.25% · 3.875%
HK$184,442
−HK$4,887/mo
Today · 4.125%
HK$189,329
baseline
▲ 0.50% · 4.625%
HK$199,309
+HK$9,980/mo
Deposit HK$3.93M · loan HK$35.40M · min. income ≈ HK$378,658/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,671,870 · Scale 2, in force from 26 Feb 2026)