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$89,590
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$92,376
−HK$2,832/mo
Today · 4.125%
HK$95,208
baseline
▲ 0.50% · 4.625%
HK$101,001
+HK$5,793/mo
Deposit HK$19.64M · loan HK$19.64M · min. income ≈ HK$190,416/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$1,669,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,668
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$102,341
−HK$2,711/mo
Today · 4.125%
HK$105,052
baseline
▲ 0.50% · 4.625%
HK$110,590
+HK$5,538/mo
Deposit HK$19.64M · loan HK$19.64M · min. income ≈ HK$210,104/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$1,669,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,508
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$110,852
−HK$3,397/mo
Today · 4.125%
HK$114,249
baseline
▲ 0.50% · 4.625%
HK$121,201
+HK$6,952/mo
Deposit HK$15.72M · loan HK$23.57M · min. income ≈ HK$228,498/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,669,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,601
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$122,809
−HK$3,254/mo
Today · 4.125%
HK$126,063
baseline
▲ 0.50% · 4.625%
HK$132,708
+HK$6,645/mo
Deposit HK$15.72M · loan HK$23.57M · min. income ≈ HK$252,126/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,669,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,425
−HK$7,866/mo
▼ 0.25% · 3.875%
HK$129,327
−HK$3,964/mo
Today · 4.125%
HK$133,291
baseline
▲ 0.50% · 4.625%
HK$141,401
+HK$8,110/mo
Deposit HK$11.79M · loan HK$27.50M · min. income ≈ HK$266,582/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,669,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,535
−HK$7,538/mo
▼ 0.25% · 3.875%
HK$143,277
−HK$3,796/mo
Today · 4.125%
HK$147,073
baseline
▲ 0.50% · 4.625%
HK$154,826
+HK$7,753/mo
Deposit HK$11.79M · loan HK$27.50M · min. income ≈ HK$294,146/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,669,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,261
−HK$10,113/mo
▼ 0.25% · 3.875%
HK$166,277
−HK$5,097/mo
Today · 4.125%
HK$171,374
baseline
▲ 0.50% · 4.625%
HK$181,801
+HK$10,427/mo
Deposit HK$3.93M · loan HK$35.36M · min. income ≈ HK$342,748/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,669,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,402
−HK$9,692/mo
▼ 0.25% · 3.875%
HK$184,213
−HK$4,881/mo
Today · 4.125%
HK$189,094
baseline
▲ 0.50% · 4.625%
HK$199,061
+HK$9,967/mo
Deposit HK$3.93M · loan HK$35.36M · min. income ≈ HK$378,188/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,669,794 · Scale 2, in force from 26 Feb 2026)