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$89,585
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$92,372
−HK$2,831/mo
Today · 4.125%
HK$95,203
baseline
▲ 0.50% · 4.625%
HK$100,996
+HK$5,793/mo
Deposit HK$19.64M · loan HK$19.64M · min. income ≈ HK$190,406/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$1,669,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,663
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$102,336
−HK$2,711/mo
Today · 4.125%
HK$105,047
baseline
▲ 0.50% · 4.625%
HK$110,585
+HK$5,538/mo
Deposit HK$19.64M · loan HK$19.64M · min. income ≈ HK$210,094/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$1,669,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,503
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$110,846
−HK$3,398/mo
Today · 4.125%
HK$114,244
baseline
▲ 0.50% · 4.625%
HK$121,195
+HK$6,951/mo
Deposit HK$15.71M · loan HK$23.57M · min. income ≈ HK$228,488/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,669,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,595
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$122,803
−HK$3,254/mo
Today · 4.125%
HK$126,057
baseline
▲ 0.50% · 4.625%
HK$132,701
+HK$6,644/mo
Deposit HK$15.71M · loan HK$23.57M · min. income ≈ HK$252,114/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,669,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,420
−HK$7,865/mo
▼ 0.25% · 3.875%
HK$129,321
−HK$3,964/mo
Today · 4.125%
HK$133,285
baseline
▲ 0.50% · 4.625%
HK$141,395
+HK$8,110/mo
Deposit HK$11.79M · loan HK$27.50M · min. income ≈ HK$266,570/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,669,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,528
−HK$7,538/mo
▼ 0.25% · 3.875%
HK$143,270
−HK$3,796/mo
Today · 4.125%
HK$147,066
baseline
▲ 0.50% · 4.625%
HK$154,818
+HK$7,752/mo
Deposit HK$11.79M · loan HK$27.50M · min. income ≈ HK$294,132/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,669,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,254
−HK$10,112/mo
▼ 0.25% · 3.875%
HK$166,270
−HK$5,096/mo
Today · 4.125%
HK$171,366
baseline
▲ 0.50% · 4.625%
HK$181,793
+HK$10,427/mo
Deposit HK$3.93M · loan HK$35.36M · min. income ≈ HK$342,732/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,669,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,393
−HK$9,692/mo
▼ 0.25% · 3.875%
HK$184,204
−HK$4,881/mo
Today · 4.125%
HK$189,085
baseline
▲ 0.50% · 4.625%
HK$199,052
+HK$9,967/mo
Deposit HK$3.93M · loan HK$35.36M · min. income ≈ HK$378,170/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,669,716 · Scale 2, in force from 26 Feb 2026)