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$89,950
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$92,748
−HK$2,843/mo
Today · 4.125%
HK$95,591
baseline
▲ 0.50% · 4.625%
HK$101,407
+HK$5,816/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$191,182/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$1,676,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,068
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$102,752
−HK$2,723/mo
Today · 4.125%
HK$105,475
baseline
▲ 0.50% · 4.625%
HK$111,035
+HK$5,560/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$210,950/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$1,676,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,940
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$111,297
−HK$3,412/mo
Today · 4.125%
HK$114,709
baseline
▲ 0.50% · 4.625%
HK$121,688
+HK$6,979/mo
Deposit HK$15.78M · loan HK$23.67M · min. income ≈ HK$229,418/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,676,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,082
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$123,303
−HK$3,267/mo
Today · 4.125%
HK$126,570
baseline
▲ 0.50% · 4.625%
HK$133,241
+HK$6,671/mo
Deposit HK$15.78M · loan HK$23.67M · min. income ≈ HK$253,140/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,676,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,930
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$129,847
−HK$3,980/mo
Today · 4.125%
HK$133,827
baseline
▲ 0.50% · 4.625%
HK$141,970
+HK$8,143/mo
Deposit HK$11.83M · loan HK$27.61M · min. income ≈ HK$267,654/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,096
−HK$7,569/mo
▼ 0.25% · 3.875%
HK$143,853
−HK$3,812/mo
Today · 4.125%
HK$147,665
baseline
▲ 0.50% · 4.625%
HK$155,448
+HK$7,783/mo
Deposit HK$11.83M · loan HK$27.61M · min. income ≈ HK$295,330/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,910
−HK$10,153/mo
▼ 0.25% · 3.875%
HK$166,946
−HK$5,117/mo
Today · 4.125%
HK$172,063
baseline
▲ 0.50% · 4.625%
HK$182,533
+HK$10,470/mo
Deposit HK$3.94M · loan HK$35.50M · min. income ≈ HK$344,126/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,123
−HK$9,732/mo
▼ 0.25% · 3.875%
HK$184,954
−HK$4,901/mo
Today · 4.125%
HK$189,855
baseline
▲ 0.50% · 4.625%
HK$199,862
+HK$10,007/mo
Deposit HK$3.94M · loan HK$35.50M · min. income ≈ HK$379,710/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,510 · Scale 2, in force from 26 Feb 2026)