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$89,614
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$92,401
−HK$2,832/mo
Today · 4.125%
HK$95,233
baseline
▲ 0.50% · 4.625%
HK$101,028
+HK$5,795/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$190,466/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,670,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,694
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$102,368
−HK$2,713/mo
Today · 4.125%
HK$105,081
baseline
▲ 0.50% · 4.625%
HK$110,620
+HK$5,539/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$210,162/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,670,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,536
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$110,881
−HK$3,399/mo
Today · 4.125%
HK$114,280
baseline
▲ 0.50% · 4.625%
HK$121,234
+HK$6,954/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$228,560/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,670,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,633
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$122,842
−HK$3,255/mo
Today · 4.125%
HK$126,097
baseline
▲ 0.50% · 4.625%
HK$132,743
+HK$6,646/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$252,194/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,670,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,459
−HK$7,868/mo
▼ 0.25% · 3.875%
HK$129,362
−HK$3,965/mo
Today · 4.125%
HK$133,327
baseline
▲ 0.50% · 4.625%
HK$141,439
+HK$8,112/mo
Deposit HK$11.79M · loan HK$27.51M · min. income ≈ HK$266,654/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,572
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$143,315
−HK$3,798/mo
Today · 4.125%
HK$147,113
baseline
▲ 0.50% · 4.625%
HK$154,867
+HK$7,754/mo
Deposit HK$11.79M · loan HK$27.51M · min. income ≈ HK$294,226/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,305
−HK$10,115/mo
▼ 0.25% · 3.875%
HK$166,322
−HK$5,098/mo
Today · 4.125%
HK$171,420
baseline
▲ 0.50% · 4.625%
HK$181,850
+HK$10,430/mo
Deposit HK$3.93M · loan HK$35.37M · min. income ≈ HK$342,840/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,450
−HK$9,695/mo
▼ 0.25% · 3.875%
HK$184,263
−HK$4,882/mo
Today · 4.125%
HK$189,145
baseline
▲ 0.50% · 4.625%
HK$199,115
+HK$9,970/mo
Deposit HK$3.93M · loan HK$35.37M · min. income ≈ HK$378,290/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,244 · Scale 2, in force from 26 Feb 2026)