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$89,544
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$92,329
−HK$2,830/mo
Today · 4.125%
HK$95,159
baseline
▲ 0.50% · 4.625%
HK$100,949
+HK$5,790/mo
Deposit HK$19.63M · loan HK$19.63M · min. income ≈ HK$190,318/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$1,668,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,617
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$102,288
−HK$2,711/mo
Today · 4.125%
HK$104,999
baseline
▲ 0.50% · 4.625%
HK$110,533
+HK$5,534/mo
Deposit HK$19.63M · loan HK$19.63M · min. income ≈ HK$209,998/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$1,668,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,453
−HK$6,738/mo
▼ 0.25% · 3.875%
HK$110,795
−HK$3,396/mo
Today · 4.125%
HK$114,191
baseline
▲ 0.50% · 4.625%
HK$121,139
+HK$6,948/mo
Deposit HK$15.71M · loan HK$23.56M · min. income ≈ HK$228,382/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,668,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,540
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$122,746
−HK$3,252/mo
Today · 4.125%
HK$125,998
baseline
▲ 0.50% · 4.625%
HK$132,640
+HK$6,642/mo
Deposit HK$15.71M · loan HK$23.56M · min. income ≈ HK$251,996/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,668,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,361
−HK$7,862/mo
▼ 0.25% · 3.875%
HK$129,261
−HK$3,962/mo
Today · 4.125%
HK$133,223
baseline
▲ 0.50% · 4.625%
HK$141,329
+HK$8,106/mo
Deposit HK$11.78M · loan HK$27.49M · min. income ≈ HK$266,446/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,668,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,463
−HK$7,535/mo
▼ 0.25% · 3.875%
HK$143,203
−HK$3,795/mo
Today · 4.125%
HK$146,998
baseline
▲ 0.50% · 4.625%
HK$154,746
+HK$7,748/mo
Deposit HK$11.78M · loan HK$27.49M · min. income ≈ HK$293,996/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,668,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,179
−HK$10,107/mo
▼ 0.25% · 3.875%
HK$166,192
−HK$5,094/mo
Today · 4.125%
HK$171,286
baseline
▲ 0.50% · 4.625%
HK$181,708
+HK$10,422/mo
Deposit HK$3.93M · loan HK$35.34M · min. income ≈ HK$342,572/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,668,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,310
−HK$9,687/mo
▼ 0.25% · 3.875%
HK$184,119
−HK$4,878/mo
Today · 4.125%
HK$188,997
baseline
▲ 0.50% · 4.625%
HK$198,960
+HK$9,963/mo
Deposit HK$3.93M · loan HK$35.34M · min. income ≈ HK$377,994/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,668,940 · Scale 2, in force from 26 Feb 2026)