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$89,912
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$92,709
−HK$2,842/mo
Today · 4.125%
HK$95,551
baseline
▲ 0.50% · 4.625%
HK$101,365
+HK$5,814/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$191,102/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,675,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,027
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$102,709
−HK$2,722/mo
Today · 4.125%
HK$105,431
baseline
▲ 0.50% · 4.625%
HK$110,988
+HK$5,557/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$210,862/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,675,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,895
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$111,251
−HK$3,410/mo
Today · 4.125%
HK$114,661
baseline
▲ 0.50% · 4.625%
HK$121,638
+HK$6,977/mo
Deposit HK$15.77M · loan HK$23.66M · min. income ≈ HK$229,322/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,675,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,032
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$123,251
−HK$3,266/mo
Today · 4.125%
HK$126,517
baseline
▲ 0.50% · 4.625%
HK$133,186
+HK$6,669/mo
Deposit HK$15.77M · loan HK$23.66M · min. income ≈ HK$253,034/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,675,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,877
−HK$7,894/mo
▼ 0.25% · 3.875%
HK$129,793
−HK$3,978/mo
Today · 4.125%
HK$133,771
baseline
▲ 0.50% · 4.625%
HK$141,911
+HK$8,140/mo
Deposit HK$11.83M · loan HK$27.60M · min. income ≈ HK$267,542/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,675,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,037
−HK$7,566/mo
▼ 0.25% · 3.875%
HK$143,793
−HK$3,810/mo
Today · 4.125%
HK$147,603
baseline
▲ 0.50% · 4.625%
HK$155,383
+HK$7,780/mo
Deposit HK$11.83M · loan HK$27.60M · min. income ≈ HK$295,206/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,675,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,842
−HK$10,149/mo
▼ 0.25% · 3.875%
HK$166,876
−HK$5,115/mo
Today · 4.125%
HK$171,991
baseline
▲ 0.50% · 4.625%
HK$182,456
+HK$10,465/mo
Deposit HK$3.94M · loan HK$35.49M · min. income ≈ HK$343,982/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,048
−HK$9,727/mo
▼ 0.25% · 3.875%
HK$184,877
−HK$4,898/mo
Today · 4.125%
HK$189,775
baseline
▲ 0.50% · 4.625%
HK$199,779
+HK$10,004/mo
Deposit HK$3.94M · loan HK$35.49M · min. income ≈ HK$379,550/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,810 · Scale 2, in force from 26 Feb 2026)