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$90,171
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$92,976
−HK$2,850/mo
Today · 4.125%
HK$95,826
baseline
▲ 0.50% · 4.625%
HK$101,656
+HK$5,830/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$191,652/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$1,680,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,314
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$103,005
−HK$2,729/mo
Today · 4.125%
HK$105,734
baseline
▲ 0.50% · 4.625%
HK$111,308
+HK$5,574/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$211,468/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$1,680,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,205
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$111,571
−HK$3,420/mo
Today · 4.125%
HK$114,991
baseline
▲ 0.50% · 4.625%
HK$121,988
+HK$6,997/mo
Deposit HK$15.82M · loan HK$23.73M · min. income ≈ HK$229,982/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,377
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$123,606
−HK$3,275/mo
Today · 4.125%
HK$126,881
baseline
▲ 0.50% · 4.625%
HK$133,569
+HK$6,688/mo
Deposit HK$15.82M · loan HK$23.73M · min. income ≈ HK$253,762/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,240
−HK$7,916/mo
▼ 0.25% · 3.875%
HK$130,166
−HK$3,990/mo
Today · 4.125%
HK$134,156
baseline
▲ 0.50% · 4.625%
HK$142,319
+HK$8,163/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$268,312/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,680,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,440
−HK$7,588/mo
▼ 0.25% · 3.875%
HK$144,207
−HK$3,821/mo
Today · 4.125%
HK$148,028
baseline
▲ 0.50% · 4.625%
HK$155,831
+HK$7,803/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$296,056/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,680,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,308
−HK$10,178/mo
▼ 0.25% · 3.875%
HK$167,357
−HK$5,129/mo
Today · 4.125%
HK$172,486
baseline
▲ 0.50% · 4.625%
HK$182,982
+HK$10,496/mo
Deposit HK$3.95M · loan HK$35.59M · min. income ≈ HK$344,972/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,680,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,566
−HK$9,755/mo
▼ 0.25% · 3.875%
HK$185,409
−HK$4,912/mo
Today · 4.125%
HK$190,321
baseline
▲ 0.50% · 4.625%
HK$200,354
+HK$10,033/mo
Deposit HK$3.95M · loan HK$35.59M · min. income ≈ HK$380,642/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,680,633 · Scale 2, in force from 26 Feb 2026)