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$89,746
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$92,538
−HK$2,836/mo
Today · 4.125%
HK$95,374
baseline
▲ 0.50% · 4.625%
HK$101,178
+HK$5,804/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$190,748/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,842
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,520
−HK$2,716/mo
Today · 4.125%
HK$105,236
baseline
▲ 0.50% · 4.625%
HK$110,783
+HK$5,547/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$210,472/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,696
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,046
−HK$3,403/mo
Today · 4.125%
HK$114,449
baseline
▲ 0.50% · 4.625%
HK$121,413
+HK$6,964/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$228,898/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,672,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,810
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,024
−HK$3,259/mo
Today · 4.125%
HK$126,283
baseline
▲ 0.50% · 4.625%
HK$132,940
+HK$6,657/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$252,566/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,672,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,645
−HK$7,879/mo
▼ 0.25% · 3.875%
HK$129,553
−HK$3,971/mo
Today · 4.125%
HK$133,524
baseline
▲ 0.50% · 4.625%
HK$141,649
+HK$8,125/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$267,048/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,779
−HK$7,552/mo
▼ 0.25% · 3.875%
HK$143,528
−HK$3,803/mo
Today · 4.125%
HK$147,331
baseline
▲ 0.50% · 4.625%
HK$155,097
+HK$7,766/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$294,662/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,544
−HK$10,130/mo
▼ 0.25% · 3.875%
HK$166,569
−HK$5,105/mo
Today · 4.125%
HK$171,674
baseline
▲ 0.50% · 4.625%
HK$182,120
+HK$10,446/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$343,348/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,716
−HK$9,709/mo
▼ 0.25% · 3.875%
HK$184,536
−HK$4,889/mo
Today · 4.125%
HK$189,425
baseline
▲ 0.50% · 4.625%
HK$199,410
+HK$9,985/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$378,850/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,718 · Scale 2, in force from 26 Feb 2026)