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$89,734
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$92,526
−HK$2,836/mo
Today · 4.125%
HK$95,362
baseline
▲ 0.50% · 4.625%
HK$101,164
+HK$5,802/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$190,724/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,829
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$102,506
−HK$2,716/mo
Today · 4.125%
HK$105,222
baseline
▲ 0.50% · 4.625%
HK$110,769
+HK$5,547/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$210,444/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,681
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,031
−HK$3,403/mo
Today · 4.125%
HK$114,434
baseline
▲ 0.50% · 4.625%
HK$121,397
+HK$6,963/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$228,868/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,672,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,794
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,007
−HK$3,260/mo
Today · 4.125%
HK$126,267
baseline
▲ 0.50% · 4.625%
HK$132,922
+HK$6,655/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$252,534/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,672,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,628
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$129,536
−HK$3,970/mo
Today · 4.125%
HK$133,506
baseline
▲ 0.50% · 4.625%
HK$141,630
+HK$8,124/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$267,012/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,760
−HK$7,551/mo
▼ 0.25% · 3.875%
HK$143,508
−HK$3,803/mo
Today · 4.125%
HK$147,311
baseline
▲ 0.50% · 4.625%
HK$155,076
+HK$7,765/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$294,622/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,522
−HK$10,129/mo
▼ 0.25% · 3.875%
HK$166,546
−HK$5,105/mo
Today · 4.125%
HK$171,651
baseline
▲ 0.50% · 4.625%
HK$182,095
+HK$10,444/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$343,302/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,692
−HK$9,708/mo
▼ 0.25% · 3.875%
HK$184,511
−HK$4,889/mo
Today · 4.125%
HK$189,400
baseline
▲ 0.50% · 4.625%
HK$199,383
+HK$9,983/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$378,800/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,494 · Scale 2, in force from 26 Feb 2026)