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$89,687
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,477
−HK$2,834/mo
Today · 4.125%
HK$95,311
baseline
▲ 0.50% · 4.625%
HK$101,111
+HK$5,800/mo
Deposit HK$19.67M · loan HK$19.67M · min. income ≈ HK$190,622/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$1,671,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,776
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$102,452
−HK$2,715/mo
Today · 4.125%
HK$105,167
baseline
▲ 0.50% · 4.625%
HK$110,710
+HK$5,543/mo
Deposit HK$19.67M · loan HK$19.67M · min. income ≈ HK$210,334/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$1,671,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,625
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$110,972
−HK$3,402/mo
Today · 4.125%
HK$114,374
baseline
▲ 0.50% · 4.625%
HK$121,333
+HK$6,959/mo
Deposit HK$15.73M · loan HK$23.60M · min. income ≈ HK$228,748/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,671,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,731
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$122,942
−HK$3,258/mo
Today · 4.125%
HK$126,200
baseline
▲ 0.50% · 4.625%
HK$132,852
+HK$6,652/mo
Deposit HK$15.73M · loan HK$23.60M · min. income ≈ HK$252,400/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,671,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,562
−HK$7,874/mo
▼ 0.25% · 3.875%
HK$129,468
−HK$3,968/mo
Today · 4.125%
HK$133,436
baseline
▲ 0.50% · 4.625%
HK$141,555
+HK$8,119/mo
Deposit HK$11.80M · loan HK$27.53M · min. income ≈ HK$266,872/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,671,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,686
−HK$7,547/mo
▼ 0.25% · 3.875%
HK$143,433
−HK$3,800/mo
Today · 4.125%
HK$147,233
baseline
▲ 0.50% · 4.625%
HK$154,994
+HK$7,761/mo
Deposit HK$11.80M · loan HK$27.53M · min. income ≈ HK$294,466/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,671,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,437
−HK$10,123/mo
▼ 0.25% · 3.875%
HK$166,458
−HK$5,102/mo
Today · 4.125%
HK$171,560
baseline
▲ 0.50% · 4.625%
HK$181,999
+HK$10,439/mo
Deposit HK$3.93M · loan HK$35.40M · min. income ≈ HK$343,120/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,671,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,597
−HK$9,703/mo
▼ 0.25% · 3.875%
HK$184,414
−HK$4,886/mo
Today · 4.125%
HK$189,300
baseline
▲ 0.50% · 4.625%
HK$199,278
+HK$9,978/mo
Deposit HK$3.93M · loan HK$35.40M · min. income ≈ HK$378,600/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,671,612 · Scale 2, in force from 26 Feb 2026)