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$90,004
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$92,804
−HK$2,844/mo
Today · 4.125%
HK$95,648
baseline
▲ 0.50% · 4.625%
HK$101,468
+HK$5,820/mo
Deposit HK$19.74M · loan HK$19.74M · min. income ≈ HK$191,296/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,677,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,129
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$102,814
−HK$2,725/mo
Today · 4.125%
HK$105,539
baseline
▲ 0.50% · 4.625%
HK$111,102
+HK$5,563/mo
Deposit HK$19.74M · loan HK$19.74M · min. income ≈ HK$211,078/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,677,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,005
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$111,365
−HK$3,413/mo
Today · 4.125%
HK$114,778
baseline
▲ 0.50% · 4.625%
HK$121,762
+HK$6,984/mo
Deposit HK$15.79M · loan HK$23.68M · min. income ≈ HK$229,556/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,677,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,155
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$123,377
−HK$3,269/mo
Today · 4.125%
HK$126,646
baseline
▲ 0.50% · 4.625%
HK$133,322
+HK$6,676/mo
Deposit HK$15.79M · loan HK$23.68M · min. income ≈ HK$253,292/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,677,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,006
−HK$7,902/mo
▼ 0.25% · 3.875%
HK$129,925
−HK$3,983/mo
Today · 4.125%
HK$133,908
baseline
▲ 0.50% · 4.625%
HK$142,056
+HK$8,148/mo
Deposit HK$11.84M · loan HK$27.63M · min. income ≈ HK$267,816/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,677,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,180
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$143,940
−HK$3,814/mo
Today · 4.125%
HK$147,754
baseline
▲ 0.50% · 4.625%
HK$155,542
+HK$7,788/mo
Deposit HK$11.84M · loan HK$27.63M · min. income ≈ HK$295,508/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,677,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,008
−HK$10,159/mo
▼ 0.25% · 3.875%
HK$167,047
−HK$5,120/mo
Today · 4.125%
HK$172,167
baseline
▲ 0.50% · 4.625%
HK$182,643
+HK$10,476/mo
Deposit HK$3.95M · loan HK$35.52M · min. income ≈ HK$344,334/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,677,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,232
−HK$9,737/mo
▼ 0.25% · 3.875%
HK$185,066
−HK$4,903/mo
Today · 4.125%
HK$189,969
baseline
▲ 0.50% · 4.625%
HK$199,983
+HK$10,014/mo
Deposit HK$3.95M · loan HK$35.52M · min. income ≈ HK$379,938/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,677,523 · Scale 2, in force from 26 Feb 2026)