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$90,001
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$92,801
−HK$2,844/mo
Today · 4.125%
HK$95,645
baseline
▲ 0.50% · 4.625%
HK$101,465
+HK$5,820/mo
Deposit HK$19.73M · loan HK$19.73M · min. income ≈ HK$191,290/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,677,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,125
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$102,811
−HK$2,724/mo
Today · 4.125%
HK$105,535
baseline
▲ 0.50% · 4.625%
HK$111,098
+HK$5,563/mo
Deposit HK$19.73M · loan HK$19.73M · min. income ≈ HK$211,070/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,677,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,001
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$111,361
−HK$3,413/mo
Today · 4.125%
HK$114,774
baseline
▲ 0.50% · 4.625%
HK$121,758
+HK$6,984/mo
Deposit HK$15.79M · loan HK$23.68M · min. income ≈ HK$229,548/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,677,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,150
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$123,373
−HK$3,269/mo
Today · 4.125%
HK$126,642
baseline
▲ 0.50% · 4.625%
HK$133,317
+HK$6,675/mo
Deposit HK$15.79M · loan HK$23.68M · min. income ≈ HK$253,284/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,677,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,001
−HK$7,902/mo
▼ 0.25% · 3.875%
HK$129,921
−HK$3,982/mo
Today · 4.125%
HK$133,903
baseline
▲ 0.50% · 4.625%
HK$142,051
+HK$8,148/mo
Deposit HK$11.84M · loan HK$27.63M · min. income ≈ HK$267,806/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,677,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,175
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$143,935
−HK$3,814/mo
Today · 4.125%
HK$147,749
baseline
▲ 0.50% · 4.625%
HK$155,537
+HK$7,788/mo
Deposit HK$11.84M · loan HK$27.63M · min. income ≈ HK$295,498/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,677,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,002
−HK$10,159/mo
▼ 0.25% · 3.875%
HK$167,041
−HK$5,120/mo
Today · 4.125%
HK$172,161
baseline
▲ 0.50% · 4.625%
HK$182,636
+HK$10,475/mo
Deposit HK$3.95M · loan HK$35.52M · min. income ≈ HK$344,322/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,677,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,225
−HK$9,737/mo
▼ 0.25% · 3.875%
HK$185,059
−HK$4,903/mo
Today · 4.125%
HK$189,962
baseline
▲ 0.50% · 4.625%
HK$199,976
+HK$10,014/mo
Deposit HK$3.95M · loan HK$35.52M · min. income ≈ HK$379,924/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,677,463 · Scale 2, in force from 26 Feb 2026)