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$90,220
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$93,026
−HK$2,851/mo
Today · 4.125%
HK$95,877
baseline
▲ 0.50% · 4.625%
HK$101,711
+HK$5,834/mo
Deposit HK$19.78M · loan HK$19.78M · min. income ≈ HK$191,754/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$1,681,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,369
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$103,060
−HK$2,731/mo
Today · 4.125%
HK$105,791
baseline
▲ 0.50% · 4.625%
HK$111,368
+HK$5,577/mo
Deposit HK$19.78M · loan HK$19.78M · min. income ≈ HK$211,582/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$1,681,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,264
−HK$6,789/mo
▼ 0.25% · 3.875%
HK$111,631
−HK$3,422/mo
Today · 4.125%
HK$115,053
baseline
▲ 0.50% · 4.625%
HK$122,053
+HK$7,000/mo
Deposit HK$15.83M · loan HK$23.74M · min. income ≈ HK$230,106/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,681,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,442
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$123,672
−HK$3,277/mo
Today · 4.125%
HK$126,949
baseline
▲ 0.50% · 4.625%
HK$133,641
+HK$6,692/mo
Deposit HK$15.83M · loan HK$23.74M · min. income ≈ HK$253,898/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,681,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,308
−HK$7,920/mo
▼ 0.25% · 3.875%
HK$130,236
−HK$3,992/mo
Today · 4.125%
HK$134,228
baseline
▲ 0.50% · 4.625%
HK$142,396
+HK$8,168/mo
Deposit HK$11.87M · loan HK$27.70M · min. income ≈ HK$268,456/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,681,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,516
−HK$7,592/mo
▼ 0.25% · 3.875%
HK$144,284
−HK$3,824/mo
Today · 4.125%
HK$148,108
baseline
▲ 0.50% · 4.625%
HK$155,915
+HK$7,807/mo
Deposit HK$11.87M · loan HK$27.70M · min. income ≈ HK$296,216/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,681,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,395
−HK$10,184/mo
▼ 0.25% · 3.875%
HK$167,447
−HK$5,132/mo
Today · 4.125%
HK$172,579
baseline
▲ 0.50% · 4.625%
HK$183,080
+HK$10,501/mo
Deposit HK$3.96M · loan HK$35.61M · min. income ≈ HK$345,158/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,681,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,663
−HK$9,761/mo
▼ 0.25% · 3.875%
HK$185,509
−HK$4,915/mo
Today · 4.125%
HK$190,424
baseline
▲ 0.50% · 4.625%
HK$200,462
+HK$10,038/mo
Deposit HK$3.96M · loan HK$35.61M · min. income ≈ HK$380,848/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,681,538 · Scale 2, in force from 26 Feb 2026)