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$89,637
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$92,426
−HK$2,833/mo
Today · 4.125%
HK$95,259
baseline
▲ 0.50% · 4.625%
HK$101,055
+HK$5,796/mo
Deposit HK$19.66M · loan HK$19.66M · min. income ≈ HK$190,518/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$1,670,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,721
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$102,395
−HK$2,713/mo
Today · 4.125%
HK$105,108
baseline
▲ 0.50% · 4.625%
HK$110,649
+HK$5,541/mo
Deposit HK$19.66M · loan HK$19.66M · min. income ≈ HK$210,216/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$1,670,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,565
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$110,911
−HK$3,399/mo
Today · 4.125%
HK$114,310
baseline
▲ 0.50% · 4.625%
HK$121,266
+HK$6,956/mo
Deposit HK$15.72M · loan HK$23.59M · min. income ≈ HK$228,620/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,670,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,665
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$122,874
−HK$3,256/mo
Today · 4.125%
HK$126,130
baseline
▲ 0.50% · 4.625%
HK$132,779
+HK$6,649/mo
Deposit HK$15.72M · loan HK$23.59M · min. income ≈ HK$252,260/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,670,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,492
−HK$7,870/mo
▼ 0.25% · 3.875%
HK$129,396
−HK$3,966/mo
Today · 4.125%
HK$133,362
baseline
▲ 0.50% · 4.625%
HK$141,477
+HK$8,115/mo
Deposit HK$11.79M · loan HK$27.52M · min. income ≈ HK$266,724/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,609
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$143,353
−HK$3,799/mo
Today · 4.125%
HK$147,152
baseline
▲ 0.50% · 4.625%
HK$154,908
+HK$7,756/mo
Deposit HK$11.79M · loan HK$27.52M · min. income ≈ HK$294,304/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,347
−HK$10,118/mo
▼ 0.25% · 3.875%
HK$166,366
−HK$5,099/mo
Today · 4.125%
HK$171,465
baseline
▲ 0.50% · 4.625%
HK$181,899
+HK$10,434/mo
Deposit HK$3.93M · loan HK$35.38M · min. income ≈ HK$342,930/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,497
−HK$9,698/mo
▼ 0.25% · 3.875%
HK$184,311
−HK$4,884/mo
Today · 4.125%
HK$189,195
baseline
▲ 0.50% · 4.625%
HK$199,168
+HK$9,973/mo
Deposit HK$3.93M · loan HK$35.38M · min. income ≈ HK$378,390/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,687 · Scale 2, in force from 26 Feb 2026)