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$89,646
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$92,435
−HK$2,833/mo
Today · 4.125%
HK$95,268
baseline
▲ 0.50% · 4.625%
HK$101,065
+HK$5,797/mo
Deposit HK$19.66M · loan HK$19.66M · min. income ≈ HK$190,536/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$1,670,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,731
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$102,406
−HK$2,713/mo
Today · 4.125%
HK$105,119
baseline
▲ 0.50% · 4.625%
HK$110,660
+HK$5,541/mo
Deposit HK$19.66M · loan HK$19.66M · min. income ≈ HK$210,238/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$1,670,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,576
−HK$6,746/mo
▼ 0.25% · 3.875%
HK$110,922
−HK$3,400/mo
Today · 4.125%
HK$114,322
baseline
▲ 0.50% · 4.625%
HK$121,278
+HK$6,956/mo
Deposit HK$15.73M · loan HK$23.59M · min. income ≈ HK$228,644/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,670,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,677
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$122,887
−HK$3,256/mo
Today · 4.125%
HK$126,143
baseline
▲ 0.50% · 4.625%
HK$132,792
+HK$6,649/mo
Deposit HK$15.73M · loan HK$23.59M · min. income ≈ HK$252,286/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,670,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,505
−HK$7,870/mo
▼ 0.25% · 3.875%
HK$129,409
−HK$3,966/mo
Today · 4.125%
HK$133,375
baseline
▲ 0.50% · 4.625%
HK$141,491
+HK$8,116/mo
Deposit HK$11.79M · loan HK$27.52M · min. income ≈ HK$266,750/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,670,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,623
−HK$7,544/mo
▼ 0.25% · 3.875%
HK$143,368
−HK$3,799/mo
Today · 4.125%
HK$147,167
baseline
▲ 0.50% · 4.625%
HK$154,924
+HK$7,757/mo
Deposit HK$11.79M · loan HK$27.52M · min. income ≈ HK$294,334/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,670,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,364
−HK$10,119/mo
▼ 0.25% · 3.875%
HK$166,383
−HK$5,100/mo
Today · 4.125%
HK$171,483
baseline
▲ 0.50% · 4.625%
HK$181,917
+HK$10,434/mo
Deposit HK$3.93M · loan HK$35.38M · min. income ≈ HK$342,966/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,515
−HK$9,699/mo
▼ 0.25% · 3.875%
HK$184,330
−HK$4,884/mo
Today · 4.125%
HK$189,214
baseline
▲ 0.50% · 4.625%
HK$199,188
+HK$9,974/mo
Deposit HK$3.93M · loan HK$35.38M · min. income ≈ HK$378,428/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,855 · Scale 2, in force from 26 Feb 2026)