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$90,368
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$93,179
−HK$2,856/mo
Today · 4.125%
HK$96,035
baseline
▲ 0.50% · 4.625%
HK$101,878
+HK$5,843/mo
Deposit HK$19.82M · loan HK$19.82M · min. income ≈ HK$192,070/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$1,684,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,533
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$103,229
−HK$2,736/mo
Today · 4.125%
HK$105,965
baseline
▲ 0.50% · 4.625%
HK$111,550
+HK$5,585/mo
Deposit HK$19.82M · loan HK$19.82M · min. income ≈ HK$211,930/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$1,684,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,441
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$111,814
−HK$3,427/mo
Today · 4.125%
HK$115,241
baseline
▲ 0.50% · 4.625%
HK$122,254
+HK$7,013/mo
Deposit HK$15.85M · loan HK$23.78M · min. income ≈ HK$230,482/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,684,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,640
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,875
−HK$3,283/mo
Today · 4.125%
HK$127,158
baseline
▲ 0.50% · 4.625%
HK$133,860
+HK$6,702/mo
Deposit HK$15.85M · loan HK$23.78M · min. income ≈ HK$254,316/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,684,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,515
−HK$7,933/mo
▼ 0.25% · 3.875%
HK$130,450
−HK$3,998/mo
Today · 4.125%
HK$134,448
baseline
▲ 0.50% · 4.625%
HK$142,629
+HK$8,181/mo
Deposit HK$11.89M · loan HK$27.74M · min. income ≈ HK$268,896/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,684,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,746
−HK$7,604/mo
▼ 0.25% · 3.875%
HK$144,521
−HK$3,829/mo
Today · 4.125%
HK$148,350
baseline
▲ 0.50% · 4.625%
HK$156,170
+HK$7,820/mo
Deposit HK$11.89M · loan HK$27.74M · min. income ≈ HK$296,700/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,684,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,662
−HK$10,200/mo
▼ 0.25% · 3.875%
HK$167,722
−HK$5,140/mo
Today · 4.125%
HK$172,862
baseline
▲ 0.50% · 4.625%
HK$183,380
+HK$10,518/mo
Deposit HK$3.96M · loan HK$35.67M · min. income ≈ HK$345,724/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,684,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,960
−HK$9,776/mo
▼ 0.25% · 3.875%
HK$185,813
−HK$4,923/mo
Today · 4.125%
HK$190,736
baseline
▲ 0.50% · 4.625%
HK$200,790
+HK$10,054/mo
Deposit HK$3.96M · loan HK$35.67M · min. income ≈ HK$381,472/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,684,296 · Scale 2, in force from 26 Feb 2026)