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$89,894
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$92,691
−HK$2,841/mo
Today · 4.125%
HK$95,532
baseline
▲ 0.50% · 4.625%
HK$101,344
+HK$5,812/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$191,064/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,675,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,007
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$102,689
−HK$2,721/mo
Today · 4.125%
HK$105,410
baseline
▲ 0.50% · 4.625%
HK$110,966
+HK$5,556/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$210,820/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,675,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,873
−HK$6,765/mo
▼ 0.25% · 3.875%
HK$111,229
−HK$3,409/mo
Today · 4.125%
HK$114,638
baseline
▲ 0.50% · 4.625%
HK$121,613
+HK$6,975/mo
Deposit HK$15.77M · loan HK$23.65M · min. income ≈ HK$229,276/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,675,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,008
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$123,226
−HK$3,266/mo
Today · 4.125%
HK$126,492
baseline
▲ 0.50% · 4.625%
HK$133,159
+HK$6,667/mo
Deposit HK$15.77M · loan HK$23.65M · min. income ≈ HK$252,984/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,675,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,852
−HK$7,892/mo
▼ 0.25% · 3.875%
HK$129,767
−HK$3,977/mo
Today · 4.125%
HK$133,744
baseline
▲ 0.50% · 4.625%
HK$141,882
+HK$8,138/mo
Deposit HK$11.83M · loan HK$27.60M · min. income ≈ HK$267,488/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,675,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,009
−HK$7,564/mo
▼ 0.25% · 3.875%
HK$143,764
−HK$3,809/mo
Today · 4.125%
HK$147,573
baseline
▲ 0.50% · 4.625%
HK$155,352
+HK$7,779/mo
Deposit HK$11.83M · loan HK$27.60M · min. income ≈ HK$295,146/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,675,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,810
−HK$10,147/mo
▼ 0.25% · 3.875%
HK$166,843
−HK$5,114/mo
Today · 4.125%
HK$171,957
baseline
▲ 0.50% · 4.625%
HK$182,420
+HK$10,463/mo
Deposit HK$3.94M · loan HK$35.48M · min. income ≈ HK$343,914/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,012
−HK$9,725/mo
▼ 0.25% · 3.875%
HK$184,840
−HK$4,897/mo
Today · 4.125%
HK$189,737
baseline
▲ 0.50% · 4.625%
HK$199,739
+HK$10,002/mo
Deposit HK$3.94M · loan HK$35.48M · min. income ≈ HK$379,474/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,474 · Scale 2, in force from 26 Feb 2026)