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$89,610
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$92,398
−HK$2,832/mo
Today · 4.125%
HK$95,230
baseline
▲ 0.50% · 4.625%
HK$101,024
+HK$5,794/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$190,460/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,670,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,691
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$102,364
−HK$2,713/mo
Today · 4.125%
HK$105,077
baseline
▲ 0.50% · 4.625%
HK$110,615
+HK$5,538/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$210,154/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,670,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,532
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$110,877
−HK$3,399/mo
Today · 4.125%
HK$114,276
baseline
▲ 0.50% · 4.625%
HK$121,229
+HK$6,953/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$228,552/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,670,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,629
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$122,837
−HK$3,255/mo
Today · 4.125%
HK$126,092
baseline
▲ 0.50% · 4.625%
HK$132,738
+HK$6,646/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$252,184/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,670,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,454
−HK$7,868/mo
▼ 0.25% · 3.875%
HK$129,357
−HK$3,965/mo
Today · 4.125%
HK$133,322
baseline
▲ 0.50% · 4.625%
HK$141,434
+HK$8,112/mo
Deposit HK$11.79M · loan HK$27.51M · min. income ≈ HK$266,644/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,567
−HK$7,540/mo
▼ 0.25% · 3.875%
HK$143,310
−HK$3,797/mo
Today · 4.125%
HK$147,107
baseline
▲ 0.50% · 4.625%
HK$154,861
+HK$7,754/mo
Deposit HK$11.79M · loan HK$27.51M · min. income ≈ HK$294,214/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,299
−HK$10,114/mo
▼ 0.25% · 3.875%
HK$166,316
−HK$5,097/mo
Today · 4.125%
HK$171,413
baseline
▲ 0.50% · 4.625%
HK$181,844
+HK$10,431/mo
Deposit HK$3.93M · loan HK$35.37M · min. income ≈ HK$342,826/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,443
−HK$9,695/mo
▼ 0.25% · 3.875%
HK$184,256
−HK$4,882/mo
Today · 4.125%
HK$189,138
baseline
▲ 0.50% · 4.625%
HK$199,108
+HK$9,970/mo
Deposit HK$3.93M · loan HK$35.37M · min. income ≈ HK$378,276/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,180 · Scale 2, in force from 26 Feb 2026)