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$89,869
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$92,665
−HK$2,840/mo
Today · 4.125%
HK$95,505
baseline
▲ 0.50% · 4.625%
HK$101,316
+HK$5,811/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$191,010/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,675,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,979
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,660
−HK$2,720/mo
Today · 4.125%
HK$105,380
baseline
▲ 0.50% · 4.625%
HK$110,935
+HK$5,555/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$210,760/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,675,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,843
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$111,197
−HK$3,409/mo
Today · 4.125%
HK$114,606
baseline
▲ 0.50% · 4.625%
HK$121,579
+HK$6,973/mo
Deposit HK$15.76M · loan HK$23.65M · min. income ≈ HK$229,212/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,675,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,974
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$123,192
−HK$3,264/mo
Today · 4.125%
HK$126,456
baseline
▲ 0.50% · 4.625%
HK$133,122
+HK$6,666/mo
Deposit HK$15.76M · loan HK$23.65M · min. income ≈ HK$252,912/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,675,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,817
−HK$7,890/mo
▼ 0.25% · 3.875%
HK$129,730
−HK$3,977/mo
Today · 4.125%
HK$133,707
baseline
▲ 0.50% · 4.625%
HK$141,842
+HK$8,135/mo
Deposit HK$11.82M · loan HK$27.59M · min. income ≈ HK$267,414/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,675,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,970
−HK$7,562/mo
▼ 0.25% · 3.875%
HK$143,724
−HK$3,808/mo
Today · 4.125%
HK$147,532
baseline
▲ 0.50% · 4.625%
HK$155,309
+HK$7,777/mo
Deposit HK$11.82M · loan HK$27.59M · min. income ≈ HK$295,064/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,675,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,764
−HK$10,145/mo
▼ 0.25% · 3.875%
HK$166,796
−HK$5,113/mo
Today · 4.125%
HK$171,909
baseline
▲ 0.50% · 4.625%
HK$182,369
+HK$10,460/mo
Deposit HK$3.94M · loan HK$35.47M · min. income ≈ HK$343,818/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,961
−HK$9,723/mo
▼ 0.25% · 3.875%
HK$184,788
−HK$4,896/mo
Today · 4.125%
HK$189,684
baseline
▲ 0.50% · 4.625%
HK$199,683
+HK$9,999/mo
Deposit HK$3.94M · loan HK$35.47M · min. income ≈ HK$379,368/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,004 · Scale 2, in force from 26 Feb 2026)