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$90,338
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$93,148
−HK$2,855/mo
Today · 4.125%
HK$96,003
baseline
▲ 0.50% · 4.625%
HK$101,845
+HK$5,842/mo
Deposit HK$19.81M · loan HK$19.81M · min. income ≈ HK$192,006/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,500
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$103,196
−HK$2,734/mo
Today · 4.125%
HK$105,930
baseline
▲ 0.50% · 4.625%
HK$111,514
+HK$5,584/mo
Deposit HK$19.81M · loan HK$19.81M · min. income ≈ HK$211,860/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,406
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$111,778
−HK$3,426/mo
Today · 4.125%
HK$115,204
baseline
▲ 0.50% · 4.625%
HK$122,214
+HK$7,010/mo
Deposit HK$15.85M · loan HK$23.77M · min. income ≈ HK$230,408/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,600
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$123,835
−HK$3,281/mo
Today · 4.125%
HK$127,116
baseline
▲ 0.50% · 4.625%
HK$133,817
+HK$6,701/mo
Deposit HK$15.85M · loan HK$23.77M · min. income ≈ HK$254,232/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,474
−HK$7,931/mo
▼ 0.25% · 3.875%
HK$130,408
−HK$3,997/mo
Today · 4.125%
HK$134,405
baseline
▲ 0.50% · 4.625%
HK$142,583
+HK$8,178/mo
Deposit HK$11.89M · loan HK$27.73M · min. income ≈ HK$268,810/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,683,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,701
−HK$7,601/mo
▼ 0.25% · 3.875%
HK$144,474
−HK$3,828/mo
Today · 4.125%
HK$148,302
baseline
▲ 0.50% · 4.625%
HK$156,119
+HK$7,817/mo
Deposit HK$11.89M · loan HK$27.73M · min. income ≈ HK$296,604/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,683,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,609
−HK$10,197/mo
▼ 0.25% · 3.875%
HK$167,667
−HK$5,139/mo
Today · 4.125%
HK$172,806
baseline
▲ 0.50% · 4.625%
HK$183,321
+HK$10,515/mo
Deposit HK$3.96M · loan HK$35.66M · min. income ≈ HK$345,612/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,683,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,901
−HK$9,773/mo
▼ 0.25% · 3.875%
HK$185,752
−HK$4,922/mo
Today · 4.125%
HK$190,674
baseline
▲ 0.50% · 4.625%
HK$200,725
+HK$10,051/mo
Deposit HK$3.96M · loan HK$35.66M · min. income ≈ HK$381,348/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,683,748 · Scale 2, in force from 26 Feb 2026)