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$90,049
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,850
−HK$2,846/mo
Today · 4.125%
HK$95,696
baseline
▲ 0.50% · 4.625%
HK$101,519
+HK$5,823/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$191,392/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$1,678,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,179
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,866
−HK$2,725/mo
Today · 4.125%
HK$105,591
baseline
▲ 0.50% · 4.625%
HK$111,157
+HK$5,566/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$211,182/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$1,678,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,059
−HK$6,777/mo
▼ 0.25% · 3.875%
HK$111,421
−HK$3,415/mo
Today · 4.125%
HK$114,836
baseline
▲ 0.50% · 4.625%
HK$121,823
+HK$6,987/mo
Deposit HK$15.80M · loan HK$23.69M · min. income ≈ HK$229,672/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,678,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,215
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$123,439
−HK$3,271/mo
Today · 4.125%
HK$126,710
baseline
▲ 0.50% · 4.625%
HK$133,389
+HK$6,679/mo
Deposit HK$15.80M · loan HK$23.69M · min. income ≈ HK$253,420/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,678,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,069
−HK$7,906/mo
▼ 0.25% · 3.875%
HK$129,991
−HK$3,984/mo
Today · 4.125%
HK$133,975
baseline
▲ 0.50% · 4.625%
HK$142,127
+HK$8,152/mo
Deposit HK$11.85M · loan HK$27.64M · min. income ≈ HK$267,950/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,678,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,251
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$144,012
−HK$3,816/mo
Today · 4.125%
HK$147,828
baseline
▲ 0.50% · 4.625%
HK$155,620
+HK$7,792/mo
Deposit HK$11.85M · loan HK$27.64M · min. income ≈ HK$295,656/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,678,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,089
−HK$10,164/mo
▼ 0.25% · 3.875%
HK$167,131
−HK$5,122/mo
Today · 4.125%
HK$172,253
baseline
▲ 0.50% · 4.625%
HK$182,734
+HK$10,481/mo
Deposit HK$3.95M · loan HK$35.54M · min. income ≈ HK$344,506/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,678,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,322
−HK$9,743/mo
▼ 0.25% · 3.875%
HK$185,158
−HK$4,907/mo
Today · 4.125%
HK$190,065
baseline
▲ 0.50% · 4.625%
HK$200,083
+HK$10,018/mo
Deposit HK$3.95M · loan HK$35.54M · min. income ≈ HK$380,130/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,678,364 · Scale 2, in force from 26 Feb 2026)