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$89,920
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$92,717
−HK$2,842/mo
Today · 4.125%
HK$95,559
baseline
▲ 0.50% · 4.625%
HK$101,373
+HK$5,814/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$191,118/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,675,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,035
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$102,718
−HK$2,722/mo
Today · 4.125%
HK$105,440
baseline
▲ 0.50% · 4.625%
HK$110,998
+HK$5,558/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$210,880/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,675,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,904
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$111,260
−HK$3,411/mo
Today · 4.125%
HK$114,671
baseline
▲ 0.50% · 4.625%
HK$121,648
+HK$6,977/mo
Deposit HK$15.77M · loan HK$23.66M · min. income ≈ HK$229,342/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,675,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,042
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$123,262
−HK$3,266/mo
Today · 4.125%
HK$126,528
baseline
▲ 0.50% · 4.625%
HK$133,197
+HK$6,669/mo
Deposit HK$15.77M · loan HK$23.66M · min. income ≈ HK$253,056/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,675,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,888
−HK$7,894/mo
▼ 0.25% · 3.875%
HK$129,804
−HK$3,978/mo
Today · 4.125%
HK$133,782
baseline
▲ 0.50% · 4.625%
HK$141,923
+HK$8,141/mo
Deposit HK$11.83M · loan HK$27.60M · min. income ≈ HK$267,564/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,675,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,049
−HK$7,567/mo
▼ 0.25% · 3.875%
HK$143,805
−HK$3,811/mo
Today · 4.125%
HK$147,616
baseline
▲ 0.50% · 4.625%
HK$155,397
+HK$7,781/mo
Deposit HK$11.83M · loan HK$27.60M · min. income ≈ HK$295,232/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,675,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,856
−HK$10,150/mo
▼ 0.25% · 3.875%
HK$166,891
−HK$5,115/mo
Today · 4.125%
HK$172,006
baseline
▲ 0.50% · 4.625%
HK$182,472
+HK$10,466/mo
Deposit HK$3.94M · loan HK$35.49M · min. income ≈ HK$344,012/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,063
−HK$9,729/mo
▼ 0.25% · 3.875%
HK$184,892
−HK$4,900/mo
Today · 4.125%
HK$189,792
baseline
▲ 0.50% · 4.625%
HK$199,796
+HK$10,004/mo
Deposit HK$3.94M · loan HK$35.49M · min. income ≈ HK$379,584/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,953 · Scale 2, in force from 26 Feb 2026)