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$90,394
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$93,205
−HK$2,857/mo
Today · 4.125%
HK$96,062
baseline
▲ 0.50% · 4.625%
HK$101,907
+HK$5,845/mo
Deposit HK$19.82M · loan HK$19.82M · min. income ≈ HK$192,124/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$1,684,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,562
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$103,259
−HK$2,736/mo
Today · 4.125%
HK$105,995
baseline
▲ 0.50% · 4.625%
HK$111,582
+HK$5,587/mo
Deposit HK$19.82M · loan HK$19.82M · min. income ≈ HK$211,990/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$1,684,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,472
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$111,847
−HK$3,428/mo
Today · 4.125%
HK$115,275
baseline
▲ 0.50% · 4.625%
HK$122,289
+HK$7,014/mo
Deposit HK$15.86M · loan HK$23.79M · min. income ≈ HK$230,550/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,684,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,674
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$123,911
−HK$3,283/mo
Today · 4.125%
HK$127,194
baseline
▲ 0.50% · 4.625%
HK$133,899
+HK$6,705/mo
Deposit HK$15.86M · loan HK$23.79M · min. income ≈ HK$254,388/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,684,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,551
−HK$7,936/mo
▼ 0.25% · 3.875%
HK$130,488
−HK$3,999/mo
Today · 4.125%
HK$134,487
baseline
▲ 0.50% · 4.625%
HK$142,670
+HK$8,183/mo
Deposit HK$11.89M · loan HK$27.75M · min. income ≈ HK$268,974/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,684,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,787
−HK$7,606/mo
▼ 0.25% · 3.875%
HK$144,563
−HK$3,830/mo
Today · 4.125%
HK$148,393
baseline
▲ 0.50% · 4.625%
HK$156,215
+HK$7,822/mo
Deposit HK$11.89M · loan HK$27.75M · min. income ≈ HK$296,786/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,684,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,709
−HK$10,203/mo
▼ 0.25% · 3.875%
HK$167,770
−HK$5,142/mo
Today · 4.125%
HK$172,912
baseline
▲ 0.50% · 4.625%
HK$183,433
+HK$10,521/mo
Deposit HK$3.96M · loan HK$35.68M · min. income ≈ HK$345,824/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,684,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,012
−HK$9,779/mo
▼ 0.25% · 3.875%
HK$185,866
−HK$4,925/mo
Today · 4.125%
HK$190,791
baseline
▲ 0.50% · 4.625%
HK$200,848
+HK$10,057/mo
Deposit HK$3.96M · loan HK$35.68M · min. income ≈ HK$381,582/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,684,781 · Scale 2, in force from 26 Feb 2026)