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$89,749
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$92,541
−HK$2,836/mo
Today · 4.125%
HK$95,377
baseline
▲ 0.50% · 4.625%
HK$101,181
+HK$5,804/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$190,754/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,845
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,523
−HK$2,716/mo
Today · 4.125%
HK$105,239
baseline
▲ 0.50% · 4.625%
HK$110,786
+HK$5,547/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$210,478/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,699
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,049
−HK$3,403/mo
Today · 4.125%
HK$114,452
baseline
▲ 0.50% · 4.625%
HK$121,417
+HK$6,965/mo
Deposit HK$15.74M · loan HK$23.62M · min. income ≈ HK$228,904/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,672,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,814
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,027
−HK$3,260/mo
Today · 4.125%
HK$126,287
baseline
▲ 0.50% · 4.625%
HK$132,944
+HK$6,657/mo
Deposit HK$15.74M · loan HK$23.62M · min. income ≈ HK$252,574/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,672,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,649
−HK$7,879/mo
▼ 0.25% · 3.875%
HK$129,557
−HK$3,971/mo
Today · 4.125%
HK$133,528
baseline
▲ 0.50% · 4.625%
HK$141,653
+HK$8,125/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$267,056/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,783
−HK$7,552/mo
▼ 0.25% · 3.875%
HK$143,532
−HK$3,803/mo
Today · 4.125%
HK$147,335
baseline
▲ 0.50% · 4.625%
HK$155,101
+HK$7,766/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$294,670/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,548
−HK$10,131/mo
▼ 0.25% · 3.875%
HK$166,573
−HK$5,106/mo
Today · 4.125%
HK$171,679
baseline
▲ 0.50% · 4.625%
HK$182,125
+HK$10,446/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$343,358/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,721
−HK$9,710/mo
▼ 0.25% · 3.875%
HK$184,541
−HK$4,890/mo
Today · 4.125%
HK$189,431
baseline
▲ 0.50% · 4.625%
HK$199,416
+HK$9,985/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$378,862/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,765 · Scale 2, in force from 26 Feb 2026)