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$89,592
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$92,379
−HK$2,831/mo
Today · 4.125%
HK$95,210
baseline
▲ 0.50% · 4.625%
HK$101,003
+HK$5,793/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$190,420/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$1,669,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,670
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$102,343
−HK$2,712/mo
Today · 4.125%
HK$105,055
baseline
▲ 0.50% · 4.625%
HK$110,593
+HK$5,538/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$210,110/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$1,669,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,510
−HK$6,742/mo
▼ 0.25% · 3.875%
HK$110,855
−HK$3,397/mo
Today · 4.125%
HK$114,252
baseline
▲ 0.50% · 4.625%
HK$121,204
+HK$6,952/mo
Deposit HK$15.72M · loan HK$23.57M · min. income ≈ HK$228,504/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,669,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,604
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$122,812
−HK$3,254/mo
Today · 4.125%
HK$126,066
baseline
▲ 0.50% · 4.625%
HK$132,711
+HK$6,645/mo
Deposit HK$15.72M · loan HK$23.57M · min. income ≈ HK$252,132/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,669,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,429
−HK$7,865/mo
▼ 0.25% · 3.875%
HK$129,330
−HK$3,964/mo
Today · 4.125%
HK$133,294
baseline
▲ 0.50% · 4.625%
HK$141,405
+HK$8,111/mo
Deposit HK$11.79M · loan HK$27.50M · min. income ≈ HK$266,588/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,669,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,538
−HK$7,539/mo
▼ 0.25% · 3.875%
HK$143,281
−HK$3,796/mo
Today · 4.125%
HK$147,077
baseline
▲ 0.50% · 4.625%
HK$154,830
+HK$7,753/mo
Deposit HK$11.79M · loan HK$27.50M · min. income ≈ HK$294,154/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,669,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,266
−HK$10,112/mo
▼ 0.25% · 3.875%
HK$166,282
−HK$5,096/mo
Today · 4.125%
HK$171,378
baseline
▲ 0.50% · 4.625%
HK$181,806
+HK$10,428/mo
Deposit HK$3.93M · loan HK$35.36M · min. income ≈ HK$342,756/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,669,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,406
−HK$9,693/mo
▼ 0.25% · 3.875%
HK$184,218
−HK$4,881/mo
Today · 4.125%
HK$189,099
baseline
▲ 0.50% · 4.625%
HK$199,067
+HK$9,968/mo
Deposit HK$3.93M · loan HK$35.36M · min. income ≈ HK$378,198/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,669,838 · Scale 2, in force from 26 Feb 2026)