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$89,979
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$92,778
−HK$2,844/mo
Today · 4.125%
HK$95,622
baseline
▲ 0.50% · 4.625%
HK$101,440
+HK$5,818/mo
Deposit HK$19.73M · loan HK$19.73M · min. income ≈ HK$191,244/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,677,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,101
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$102,786
−HK$2,723/mo
Today · 4.125%
HK$105,509
baseline
▲ 0.50% · 4.625%
HK$111,071
+HK$5,562/mo
Deposit HK$19.73M · loan HK$19.73M · min. income ≈ HK$211,018/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,677,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,975
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$111,334
−HK$3,412/mo
Today · 4.125%
HK$114,746
baseline
▲ 0.50% · 4.625%
HK$121,728
+HK$6,982/mo
Deposit HK$15.78M · loan HK$23.68M · min. income ≈ HK$229,492/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,677,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,121
−HK$6,490/mo
▼ 0.25% · 3.875%
HK$123,343
−HK$3,268/mo
Today · 4.125%
HK$126,611
baseline
▲ 0.50% · 4.625%
HK$133,285
+HK$6,674/mo
Deposit HK$15.78M · loan HK$23.68M · min. income ≈ HK$253,222/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,677,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,971
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$129,889
−HK$3,982/mo
Today · 4.125%
HK$133,871
baseline
▲ 0.50% · 4.625%
HK$142,016
+HK$8,145/mo
Deposit HK$11.84M · loan HK$27.62M · min. income ≈ HK$267,742/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,677,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,142
−HK$7,571/mo
▼ 0.25% · 3.875%
HK$143,900
−HK$3,813/mo
Today · 4.125%
HK$147,713
baseline
▲ 0.50% · 4.625%
HK$155,499
+HK$7,786/mo
Deposit HK$11.84M · loan HK$27.62M · min. income ≈ HK$295,426/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,677,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,963
−HK$10,156/mo
▼ 0.25% · 3.875%
HK$167,001
−HK$5,118/mo
Today · 4.125%
HK$172,119
baseline
▲ 0.50% · 4.625%
HK$182,592
+HK$10,473/mo
Deposit HK$3.95M · loan HK$35.51M · min. income ≈ HK$344,238/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,677,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,182
−HK$9,735/mo
▼ 0.25% · 3.875%
HK$185,014
−HK$4,903/mo
Today · 4.125%
HK$189,917
baseline
▲ 0.50% · 4.625%
HK$199,927
+HK$10,010/mo
Deposit HK$3.95M · loan HK$35.51M · min. income ≈ HK$379,834/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,677,058 · Scale 2, in force from 26 Feb 2026)