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$90,089
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$92,892
−HK$2,847/mo
Today · 4.125%
HK$95,739
baseline
▲ 0.50% · 4.625%
HK$101,564
+HK$5,825/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$191,478/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$1,679,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,223
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$102,911
−HK$2,727/mo
Today · 4.125%
HK$105,638
baseline
▲ 0.50% · 4.625%
HK$111,206
+HK$5,568/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$211,276/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$1,679,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,107
−HK$6,779/mo
▼ 0.25% · 3.875%
HK$111,470
−HK$3,416/mo
Today · 4.125%
HK$114,886
baseline
▲ 0.50% · 4.625%
HK$121,877
+HK$6,991/mo
Deposit HK$15.80M · loan HK$23.71M · min. income ≈ HK$229,772/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,679,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,268
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$123,494
−HK$3,272/mo
Today · 4.125%
HK$126,766
baseline
▲ 0.50% · 4.625%
HK$133,448
+HK$6,682/mo
Deposit HK$15.80M · loan HK$23.71M · min. income ≈ HK$253,532/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,679,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,125
−HK$7,909/mo
▼ 0.25% · 3.875%
HK$130,048
−HK$3,986/mo
Today · 4.125%
HK$134,034
baseline
▲ 0.50% · 4.625%
HK$142,190
+HK$8,156/mo
Deposit HK$11.85M · loan HK$27.66M · min. income ≈ HK$268,068/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,679,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,313
−HK$7,580/mo
▼ 0.25% · 3.875%
HK$144,076
−HK$3,817/mo
Today · 4.125%
HK$147,893
baseline
▲ 0.50% · 4.625%
HK$155,689
+HK$7,796/mo
Deposit HK$11.85M · loan HK$27.66M · min. income ≈ HK$295,786/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,679,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,161
−HK$10,169/mo
▼ 0.25% · 3.875%
HK$167,205
−HK$5,125/mo
Today · 4.125%
HK$172,330
baseline
▲ 0.50% · 4.625%
HK$182,815
+HK$10,485/mo
Deposit HK$3.95M · loan HK$35.56M · min. income ≈ HK$344,660/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,679,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,402
−HK$9,747/mo
▼ 0.25% · 3.875%
HK$185,240
−HK$4,909/mo
Today · 4.125%
HK$190,149
baseline
▲ 0.50% · 4.625%
HK$200,172
+HK$10,023/mo
Deposit HK$3.95M · loan HK$35.56M · min. income ≈ HK$380,298/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,679,107 · Scale 2, in force from 26 Feb 2026)