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$89,625
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$92,413
−HK$2,832/mo
Today · 4.125%
HK$95,245
baseline
▲ 0.50% · 4.625%
HK$101,041
+HK$5,796/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$190,490/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,670,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,707
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$102,381
−HK$2,713/mo
Today · 4.125%
HK$105,094
baseline
▲ 0.50% · 4.625%
HK$110,633
+HK$5,539/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$210,188/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,670,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,550
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$110,895
−HK$3,399/mo
Today · 4.125%
HK$114,294
baseline
▲ 0.50% · 4.625%
HK$121,249
+HK$6,955/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$228,588/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,670,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,648
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$122,857
−HK$3,256/mo
Today · 4.125%
HK$126,113
baseline
▲ 0.50% · 4.625%
HK$132,760
+HK$6,647/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$252,226/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,670,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,475
−HK$7,868/mo
▼ 0.25% · 3.875%
HK$129,378
−HK$3,965/mo
Today · 4.125%
HK$133,343
baseline
▲ 0.50% · 4.625%
HK$141,457
+HK$8,114/mo
Deposit HK$11.79M · loan HK$27.51M · min. income ≈ HK$266,686/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,590
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$143,333
−HK$3,798/mo
Today · 4.125%
HK$147,131
baseline
▲ 0.50% · 4.625%
HK$154,887
+HK$7,756/mo
Deposit HK$11.79M · loan HK$27.51M · min. income ≈ HK$294,262/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,325
−HK$10,117/mo
▼ 0.25% · 3.875%
HK$166,343
−HK$5,099/mo
Today · 4.125%
HK$171,442
baseline
▲ 0.50% · 4.625%
HK$181,873
+HK$10,431/mo
Deposit HK$3.93M · loan HK$35.37M · min. income ≈ HK$342,884/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,473
−HK$9,696/mo
▼ 0.25% · 3.875%
HK$184,286
−HK$4,883/mo
Today · 4.125%
HK$189,169
baseline
▲ 0.50% · 4.625%
HK$199,140
+HK$9,971/mo
Deposit HK$3.93M · loan HK$35.37M · min. income ≈ HK$378,338/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,455 · Scale 2, in force from 26 Feb 2026)