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$90,313
−HK$5,663/mo
▼ 0.25% · 3.875%
HK$93,122
−HK$2,854/mo
Today · 4.125%
HK$95,976
baseline
▲ 0.50% · 4.625%
HK$101,816
+HK$5,840/mo
Deposit HK$19.80M · loan HK$19.80M · min. income ≈ HK$191,952/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,472
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$103,166
−HK$2,734/mo
Today · 4.125%
HK$105,900
baseline
▲ 0.50% · 4.625%
HK$111,482
+HK$5,582/mo
Deposit HK$19.80M · loan HK$19.80M · min. income ≈ HK$211,800/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,375
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$111,746
−HK$3,425/mo
Today · 4.125%
HK$115,171
baseline
▲ 0.50% · 4.625%
HK$122,179
+HK$7,008/mo
Deposit HK$15.84M · loan HK$23.76M · min. income ≈ HK$230,342/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,566
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$123,800
−HK$3,280/mo
Today · 4.125%
HK$127,080
baseline
▲ 0.50% · 4.625%
HK$133,778
+HK$6,698/mo
Deposit HK$15.84M · loan HK$23.76M · min. income ≈ HK$254,160/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,438
−HK$7,928/mo
▼ 0.25% · 3.875%
HK$130,370
−HK$3,996/mo
Today · 4.125%
HK$134,366
baseline
▲ 0.50% · 4.625%
HK$142,542
+HK$8,176/mo
Deposit HK$11.88M · loan HK$27.72M · min. income ≈ HK$268,732/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,683,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,660
−HK$7,600/mo
▼ 0.25% · 3.875%
HK$144,433
−HK$3,827/mo
Today · 4.125%
HK$148,260
baseline
▲ 0.50% · 4.625%
HK$156,075
+HK$7,815/mo
Deposit HK$11.88M · loan HK$27.72M · min. income ≈ HK$296,520/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,683,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,563
−HK$10,194/mo
▼ 0.25% · 3.875%
HK$167,619
−HK$5,138/mo
Today · 4.125%
HK$172,757
baseline
▲ 0.50% · 4.625%
HK$183,268
+HK$10,511/mo
Deposit HK$3.96M · loan HK$35.65M · min. income ≈ HK$345,514/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,683,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,849
−HK$9,771/mo
▼ 0.25% · 3.875%
HK$185,699
−HK$4,921/mo
Today · 4.125%
HK$190,620
baseline
▲ 0.50% · 4.625%
HK$200,668
+HK$10,048/mo
Deposit HK$3.96M · loan HK$35.65M · min. income ≈ HK$381,240/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,683,268 · Scale 2, in force from 26 Feb 2026)