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$89,865
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,660
−HK$2,840/mo
Today · 4.125%
HK$95,500
baseline
▲ 0.50% · 4.625%
HK$101,311
+HK$5,811/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$191,000/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,674,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,974
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,655
−HK$2,720/mo
Today · 4.125%
HK$105,375
baseline
▲ 0.50% · 4.625%
HK$110,930
+HK$5,555/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$210,750/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,674,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,838
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,192
−HK$3,408/mo
Today · 4.125%
HK$114,600
baseline
▲ 0.50% · 4.625%
HK$121,574
+HK$6,974/mo
Deposit HK$15.76M · loan HK$23.65M · min. income ≈ HK$229,200/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,674,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,969
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$123,186
−HK$3,264/mo
Today · 4.125%
HK$126,450
baseline
▲ 0.50% · 4.625%
HK$133,116
+HK$6,666/mo
Deposit HK$15.76M · loan HK$23.65M · min. income ≈ HK$252,900/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,674,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,811
−HK$7,889/mo
▼ 0.25% · 3.875%
HK$129,724
−HK$3,976/mo
Today · 4.125%
HK$133,700
baseline
▲ 0.50% · 4.625%
HK$141,836
+HK$8,136/mo
Deposit HK$11.82M · loan HK$27.59M · min. income ≈ HK$267,400/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,674,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,964
−HK$7,561/mo
▼ 0.25% · 3.875%
HK$143,717
−HK$3,808/mo
Today · 4.125%
HK$147,525
baseline
▲ 0.50% · 4.625%
HK$155,302
+HK$7,777/mo
Deposit HK$11.82M · loan HK$27.59M · min. income ≈ HK$295,050/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,674,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,757
−HK$10,144/mo
▼ 0.25% · 3.875%
HK$166,789
−HK$5,112/mo
Today · 4.125%
HK$171,901
baseline
▲ 0.50% · 4.625%
HK$182,360
+HK$10,459/mo
Deposit HK$3.94M · loan HK$35.47M · min. income ≈ HK$343,802/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,674,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,953
−HK$9,722/mo
▼ 0.25% · 3.875%
HK$184,779
−HK$4,896/mo
Today · 4.125%
HK$189,675
baseline
▲ 0.50% · 4.625%
HK$199,673
+HK$9,998/mo
Deposit HK$3.94M · loan HK$35.47M · min. income ≈ HK$379,350/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,674,928 · Scale 2, in force from 26 Feb 2026)