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$89,993
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$92,792
−HK$2,844/mo
Today · 4.125%
HK$95,636
baseline
▲ 0.50% · 4.625%
HK$101,455
+HK$5,819/mo
Deposit HK$19.73M · loan HK$19.73M · min. income ≈ HK$191,272/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,677,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,116
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$102,801
−HK$2,724/mo
Today · 4.125%
HK$105,525
baseline
▲ 0.50% · 4.625%
HK$111,087
+HK$5,562/mo
Deposit HK$19.73M · loan HK$19.73M · min. income ≈ HK$211,050/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,677,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,991
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$111,350
−HK$3,413/mo
Today · 4.125%
HK$114,763
baseline
▲ 0.50% · 4.625%
HK$121,746
+HK$6,983/mo
Deposit HK$15.79M · loan HK$23.68M · min. income ≈ HK$229,526/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,677,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,139
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$123,361
−HK$3,269/mo
Today · 4.125%
HK$126,630
baseline
▲ 0.50% · 4.625%
HK$133,305
+HK$6,675/mo
Deposit HK$15.79M · loan HK$23.68M · min. income ≈ HK$253,260/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,677,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,990
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$129,909
−HK$3,981/mo
Today · 4.125%
HK$133,890
baseline
▲ 0.50% · 4.625%
HK$142,037
+HK$8,147/mo
Deposit HK$11.84M · loan HK$27.63M · min. income ≈ HK$267,780/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,677,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,162
−HK$7,573/mo
▼ 0.25% · 3.875%
HK$143,921
−HK$3,814/mo
Today · 4.125%
HK$147,735
baseline
▲ 0.50% · 4.625%
HK$155,522
+HK$7,787/mo
Deposit HK$11.84M · loan HK$27.63M · min. income ≈ HK$295,470/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,677,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,987
−HK$10,158/mo
▼ 0.25% · 3.875%
HK$167,026
−HK$5,119/mo
Today · 4.125%
HK$172,145
baseline
▲ 0.50% · 4.625%
HK$182,620
+HK$10,475/mo
Deposit HK$3.95M · loan HK$35.52M · min. income ≈ HK$344,290/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,677,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,209
−HK$9,736/mo
▼ 0.25% · 3.875%
HK$185,042
−HK$4,903/mo
Today · 4.125%
HK$189,945
baseline
▲ 0.50% · 4.625%
HK$199,957
+HK$10,012/mo
Deposit HK$3.95M · loan HK$35.52M · min. income ≈ HK$379,890/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,677,308 · Scale 2, in force from 26 Feb 2026)