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$90,322
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$93,131
−HK$2,855/mo
Today · 4.125%
HK$95,986
baseline
▲ 0.50% · 4.625%
HK$101,826
+HK$5,840/mo
Deposit HK$19.81M · loan HK$19.81M · min. income ≈ HK$191,972/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,482
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$103,177
−HK$2,734/mo
Today · 4.125%
HK$105,911
baseline
▲ 0.50% · 4.625%
HK$111,493
+HK$5,582/mo
Deposit HK$19.81M · loan HK$19.81M · min. income ≈ HK$211,822/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,386
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$111,757
−HK$3,426/mo
Today · 4.125%
HK$115,183
baseline
▲ 0.50% · 4.625%
HK$122,191
+HK$7,008/mo
Deposit HK$15.84M · loan HK$23.77M · min. income ≈ HK$230,366/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,578
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$123,812
−HK$3,281/mo
Today · 4.125%
HK$127,093
baseline
▲ 0.50% · 4.625%
HK$133,792
+HK$6,699/mo
Deposit HK$15.84M · loan HK$23.77M · min. income ≈ HK$254,186/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,450
−HK$7,930/mo
▼ 0.25% · 3.875%
HK$130,384
−HK$3,996/mo
Today · 4.125%
HK$134,380
baseline
▲ 0.50% · 4.625%
HK$142,557
+HK$8,177/mo
Deposit HK$11.88M · loan HK$27.73M · min. income ≈ HK$268,760/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,683,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,675
−HK$7,600/mo
▼ 0.25% · 3.875%
HK$144,448
−HK$3,827/mo
Today · 4.125%
HK$148,275
baseline
▲ 0.50% · 4.625%
HK$156,091
+HK$7,816/mo
Deposit HK$11.88M · loan HK$27.73M · min. income ≈ HK$296,550/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,683,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,579
−HK$10,195/mo
▼ 0.25% · 3.875%
HK$167,636
−HK$5,138/mo
Today · 4.125%
HK$172,774
baseline
▲ 0.50% · 4.625%
HK$183,287
+HK$10,513/mo
Deposit HK$3.96M · loan HK$35.65M · min. income ≈ HK$345,548/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,683,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,867
−HK$9,772/mo
▼ 0.25% · 3.875%
HK$185,718
−HK$4,921/mo
Today · 4.125%
HK$190,639
baseline
▲ 0.50% · 4.625%
HK$200,688
+HK$10,049/mo
Deposit HK$3.96M · loan HK$35.65M · min. income ≈ HK$381,278/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,683,439 · Scale 2, in force from 26 Feb 2026)