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$89,995
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$92,795
−HK$2,844/mo
Today · 4.125%
HK$95,639
baseline
▲ 0.50% · 4.625%
HK$101,458
+HK$5,819/mo
Deposit HK$19.73M · loan HK$19.73M · min. income ≈ HK$191,278/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,677,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,119
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$102,804
−HK$2,724/mo
Today · 4.125%
HK$105,528
baseline
▲ 0.50% · 4.625%
HK$111,091
+HK$5,563/mo
Deposit HK$19.73M · loan HK$19.73M · min. income ≈ HK$211,056/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,677,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,995
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$111,354
−HK$3,413/mo
Today · 4.125%
HK$114,767
baseline
▲ 0.50% · 4.625%
HK$121,750
+HK$6,983/mo
Deposit HK$15.79M · loan HK$23.68M · min. income ≈ HK$229,534/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,677,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,143
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$123,365
−HK$3,269/mo
Today · 4.125%
HK$126,634
baseline
▲ 0.50% · 4.625%
HK$133,309
+HK$6,675/mo
Deposit HK$15.79M · loan HK$23.68M · min. income ≈ HK$253,268/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,677,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,994
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$129,913
−HK$3,982/mo
Today · 4.125%
HK$133,895
baseline
▲ 0.50% · 4.625%
HK$142,042
+HK$8,147/mo
Deposit HK$11.84M · loan HK$27.63M · min. income ≈ HK$267,790/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,677,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,167
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$143,926
−HK$3,813/mo
Today · 4.125%
HK$147,739
baseline
▲ 0.50% · 4.625%
HK$155,527
+HK$7,788/mo
Deposit HK$11.84M · loan HK$27.63M · min. income ≈ HK$295,478/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,677,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,992
−HK$10,158/mo
▼ 0.25% · 3.875%
HK$167,031
−HK$5,119/mo
Today · 4.125%
HK$172,150
baseline
▲ 0.50% · 4.625%
HK$182,625
+HK$10,475/mo
Deposit HK$3.95M · loan HK$35.52M · min. income ≈ HK$344,300/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,677,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,214
−HK$9,737/mo
▼ 0.25% · 3.875%
HK$185,048
−HK$4,903/mo
Today · 4.125%
HK$189,951
baseline
▲ 0.50% · 4.625%
HK$199,963
+HK$10,012/mo
Deposit HK$3.95M · loan HK$35.52M · min. income ≈ HK$379,902/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,677,359 · Scale 2, in force from 26 Feb 2026)