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$89,876
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$92,672
−HK$2,840/mo
Today · 4.125%
HK$95,512
baseline
▲ 0.50% · 4.625%
HK$101,324
+HK$5,812/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$191,024/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,675,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,987
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$102,668
−HK$2,721/mo
Today · 4.125%
HK$105,389
baseline
▲ 0.50% · 4.625%
HK$110,944
+HK$5,555/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$210,778/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,675,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,852
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$111,206
−HK$3,409/mo
Today · 4.125%
HK$114,615
baseline
▲ 0.50% · 4.625%
HK$121,589
+HK$6,974/mo
Deposit HK$15.77M · loan HK$23.65M · min. income ≈ HK$229,230/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,675,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,984
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$123,202
−HK$3,264/mo
Today · 4.125%
HK$126,466
baseline
▲ 0.50% · 4.625%
HK$133,132
+HK$6,666/mo
Deposit HK$15.77M · loan HK$23.65M · min. income ≈ HK$252,932/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,675,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,827
−HK$7,890/mo
▼ 0.25% · 3.875%
HK$129,741
−HK$3,976/mo
Today · 4.125%
HK$133,717
baseline
▲ 0.50% · 4.625%
HK$141,854
+HK$8,137/mo
Deposit HK$11.82M · loan HK$27.59M · min. income ≈ HK$267,434/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,675,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,981
−HK$7,563/mo
▼ 0.25% · 3.875%
HK$143,735
−HK$3,809/mo
Today · 4.125%
HK$147,544
baseline
▲ 0.50% · 4.625%
HK$155,321
+HK$7,777/mo
Deposit HK$11.82M · loan HK$27.59M · min. income ≈ HK$295,088/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,675,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,777
−HK$10,145/mo
▼ 0.25% · 3.875%
HK$166,810
−HK$5,112/mo
Today · 4.125%
HK$171,922
baseline
▲ 0.50% · 4.625%
HK$182,383
+HK$10,461/mo
Deposit HK$3.94M · loan HK$35.47M · min. income ≈ HK$343,844/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,976
−HK$9,723/mo
▼ 0.25% · 3.875%
HK$184,803
−HK$4,896/mo
Today · 4.125%
HK$189,699
baseline
▲ 0.50% · 4.625%
HK$199,699
+HK$10,000/mo
Deposit HK$3.94M · loan HK$35.47M · min. income ≈ HK$379,398/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,139 · Scale 2, in force from 26 Feb 2026)