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$89,850
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,645
−HK$2,840/mo
Today · 4.125%
HK$95,485
baseline
▲ 0.50% · 4.625%
HK$101,295
+HK$5,810/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$190,970/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,674,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,957
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,638
−HK$2,720/mo
Today · 4.125%
HK$105,358
baseline
▲ 0.50% · 4.625%
HK$110,911
+HK$5,553/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$210,716/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,674,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,820
−HK$6,761/mo
▼ 0.25% · 3.875%
HK$111,174
−HK$3,407/mo
Today · 4.125%
HK$114,581
baseline
▲ 0.50% · 4.625%
HK$121,553
+HK$6,972/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$229,162/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,674,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,949
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,166
−HK$3,263/mo
Today · 4.125%
HK$126,429
baseline
▲ 0.50% · 4.625%
HK$133,094
+HK$6,665/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$252,858/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,674,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,790
−HK$7,888/mo
▼ 0.25% · 3.875%
HK$129,703
−HK$3,975/mo
Today · 4.125%
HK$133,678
baseline
▲ 0.50% · 4.625%
HK$141,812
+HK$8,134/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$267,356/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,674,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,940
−HK$7,561/mo
▼ 0.25% · 3.875%
HK$143,693
−HK$3,808/mo
Today · 4.125%
HK$147,501
baseline
▲ 0.50% · 4.625%
HK$155,276
+HK$7,775/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$295,002/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,674,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,730
−HK$10,142/mo
▼ 0.25% · 3.875%
HK$166,761
−HK$5,111/mo
Today · 4.125%
HK$171,872
baseline
▲ 0.50% · 4.625%
HK$182,330
+HK$10,458/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$343,744/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,674,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,923
−HK$9,721/mo
▼ 0.25% · 3.875%
HK$184,749
−HK$4,895/mo
Today · 4.125%
HK$189,644
baseline
▲ 0.50% · 4.625%
HK$199,640
+HK$9,996/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$379,288/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,674,650 · Scale 2, in force from 26 Feb 2026)