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$89,949
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$92,747
−HK$2,843/mo
Today · 4.125%
HK$95,590
baseline
▲ 0.50% · 4.625%
HK$101,406
+HK$5,816/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$191,180/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$1,676,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,068
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$102,751
−HK$2,723/mo
Today · 4.125%
HK$105,474
baseline
▲ 0.50% · 4.625%
HK$111,034
+HK$5,560/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$210,948/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$1,676,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,939
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$111,297
−HK$3,411/mo
Today · 4.125%
HK$114,708
baseline
▲ 0.50% · 4.625%
HK$121,687
+HK$6,979/mo
Deposit HK$15.78M · loan HK$23.67M · min. income ≈ HK$229,416/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,676,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,081
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$123,302
−HK$3,267/mo
Today · 4.125%
HK$126,569
baseline
▲ 0.50% · 4.625%
HK$133,240
+HK$6,671/mo
Deposit HK$15.78M · loan HK$23.67M · min. income ≈ HK$253,138/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,676,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,929
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$129,846
−HK$3,980/mo
Today · 4.125%
HK$133,826
baseline
▲ 0.50% · 4.625%
HK$141,969
+HK$8,143/mo
Deposit HK$11.83M · loan HK$27.61M · min. income ≈ HK$267,652/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,095
−HK$7,568/mo
▼ 0.25% · 3.875%
HK$143,852
−HK$3,811/mo
Today · 4.125%
HK$147,663
baseline
▲ 0.50% · 4.625%
HK$155,447
+HK$7,784/mo
Deposit HK$11.83M · loan HK$27.61M · min. income ≈ HK$295,326/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,909
−HK$10,153/mo
▼ 0.25% · 3.875%
HK$166,945
−HK$5,117/mo
Today · 4.125%
HK$172,062
baseline
▲ 0.50% · 4.625%
HK$182,531
+HK$10,469/mo
Deposit HK$3.94M · loan HK$35.50M · min. income ≈ HK$344,124/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,122
−HK$9,731/mo
▼ 0.25% · 3.875%
HK$184,952
−HK$4,901/mo
Today · 4.125%
HK$189,853
baseline
▲ 0.50% · 4.625%
HK$199,860
+HK$10,007/mo
Deposit HK$3.94M · loan HK$35.50M · min. income ≈ HK$379,706/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,496 · Scale 2, in force from 26 Feb 2026)