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$89,927
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,725
−HK$2,842/mo
Today · 4.125%
HK$95,567
baseline
▲ 0.50% · 4.625%
HK$101,382
+HK$5,815/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$191,134/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,676,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,043
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$102,726
−HK$2,722/mo
Today · 4.125%
HK$105,448
baseline
▲ 0.50% · 4.625%
HK$111,007
+HK$5,559/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$210,896/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,676,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,913
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$111,270
−HK$3,410/mo
Today · 4.125%
HK$114,680
baseline
▲ 0.50% · 4.625%
HK$121,658
+HK$6,978/mo
Deposit HK$15.77M · loan HK$23.66M · min. income ≈ HK$229,360/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,676,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,052
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$123,272
−HK$3,266/mo
Today · 4.125%
HK$126,538
baseline
▲ 0.50% · 4.625%
HK$133,208
+HK$6,670/mo
Deposit HK$15.77M · loan HK$23.66M · min. income ≈ HK$253,076/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,676,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,898
−HK$7,895/mo
▼ 0.25% · 3.875%
HK$129,814
−HK$3,979/mo
Today · 4.125%
HK$133,793
baseline
▲ 0.50% · 4.625%
HK$141,934
+HK$8,141/mo
Deposit HK$11.83M · loan HK$27.61M · min. income ≈ HK$267,586/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,061
−HK$7,567/mo
▼ 0.25% · 3.875%
HK$143,817
−HK$3,811/mo
Today · 4.125%
HK$147,628
baseline
▲ 0.50% · 4.625%
HK$155,409
+HK$7,781/mo
Deposit HK$11.83M · loan HK$27.61M · min. income ≈ HK$295,256/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,869
−HK$10,151/mo
▼ 0.25% · 3.875%
HK$166,904
−HK$5,116/mo
Today · 4.125%
HK$172,020
baseline
▲ 0.50% · 4.625%
HK$182,487
+HK$10,467/mo
Deposit HK$3.94M · loan HK$35.49M · min. income ≈ HK$344,040/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,078
−HK$9,729/mo
▼ 0.25% · 3.875%
HK$184,908
−HK$4,899/mo
Today · 4.125%
HK$189,807
baseline
▲ 0.50% · 4.625%
HK$199,812
+HK$10,005/mo
Deposit HK$3.94M · loan HK$35.49M · min. income ≈ HK$379,614/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,090 · Scale 2, in force from 26 Feb 2026)