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$90,162
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$92,967
−HK$2,849/mo
Today · 4.125%
HK$95,816
baseline
▲ 0.50% · 4.625%
HK$101,646
+HK$5,830/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$191,632/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$1,680,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,305
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$102,995
−HK$2,729/mo
Today · 4.125%
HK$105,724
baseline
▲ 0.50% · 4.625%
HK$111,297
+HK$5,573/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$211,448/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$1,680,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,195
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$111,560
−HK$3,419/mo
Today · 4.125%
HK$114,979
baseline
▲ 0.50% · 4.625%
HK$121,976
+HK$6,997/mo
Deposit HK$15.82M · loan HK$23.72M · min. income ≈ HK$229,958/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,366
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$123,594
−HK$3,274/mo
Today · 4.125%
HK$126,868
baseline
▲ 0.50% · 4.625%
HK$133,556
+HK$6,688/mo
Deposit HK$15.82M · loan HK$23.72M · min. income ≈ HK$253,736/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,227
−HK$7,916/mo
▼ 0.25% · 3.875%
HK$130,154
−HK$3,989/mo
Today · 4.125%
HK$134,143
baseline
▲ 0.50% · 4.625%
HK$142,305
+HK$8,162/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$268,286/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,680,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,426
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$144,193
−HK$3,820/mo
Today · 4.125%
HK$148,013
baseline
▲ 0.50% · 4.625%
HK$155,815
+HK$7,802/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$296,026/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,680,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,292
−HK$10,177/mo
▼ 0.25% · 3.875%
HK$167,340
−HK$5,129/mo
Today · 4.125%
HK$172,469
baseline
▲ 0.50% · 4.625%
HK$182,964
+HK$10,495/mo
Deposit HK$3.95M · loan HK$35.59M · min. income ≈ HK$344,938/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,680,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,548
−HK$9,755/mo
▼ 0.25% · 3.875%
HK$185,390
−HK$4,913/mo
Today · 4.125%
HK$190,303
baseline
▲ 0.50% · 4.625%
HK$200,334
+HK$10,031/mo
Deposit HK$3.95M · loan HK$35.59M · min. income ≈ HK$380,606/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,680,467 · Scale 2, in force from 26 Feb 2026)