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$89,643
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$92,432
−HK$2,833/mo
Today · 4.125%
HK$95,265
baseline
▲ 0.50% · 4.625%
HK$101,061
+HK$5,796/mo
Deposit HK$19.66M · loan HK$19.66M · min. income ≈ HK$190,530/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$1,670,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,727
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$102,402
−HK$2,713/mo
Today · 4.125%
HK$105,115
baseline
▲ 0.50% · 4.625%
HK$110,656
+HK$5,541/mo
Deposit HK$19.66M · loan HK$19.66M · min. income ≈ HK$210,230/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$1,670,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,572
−HK$6,746/mo
▼ 0.25% · 3.875%
HK$110,918
−HK$3,400/mo
Today · 4.125%
HK$114,318
baseline
▲ 0.50% · 4.625%
HK$121,274
+HK$6,956/mo
Deposit HK$15.73M · loan HK$23.59M · min. income ≈ HK$228,636/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,670,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,673
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$122,882
−HK$3,256/mo
Today · 4.125%
HK$126,138
baseline
▲ 0.50% · 4.625%
HK$132,787
+HK$6,649/mo
Deposit HK$15.73M · loan HK$23.59M · min. income ≈ HK$252,276/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,670,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,501
−HK$7,870/mo
▼ 0.25% · 3.875%
HK$129,405
−HK$3,966/mo
Today · 4.125%
HK$133,371
baseline
▲ 0.50% · 4.625%
HK$141,486
+HK$8,115/mo
Deposit HK$11.79M · loan HK$27.52M · min. income ≈ HK$266,742/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,618
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$143,363
−HK$3,798/mo
Today · 4.125%
HK$147,161
baseline
▲ 0.50% · 4.625%
HK$154,919
+HK$7,758/mo
Deposit HK$11.79M · loan HK$27.52M · min. income ≈ HK$294,322/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,358
−HK$10,119/mo
▼ 0.25% · 3.875%
HK$166,377
−HK$5,100/mo
Today · 4.125%
HK$171,477
baseline
▲ 0.50% · 4.625%
HK$181,911
+HK$10,434/mo
Deposit HK$3.93M · loan HK$35.38M · min. income ≈ HK$342,954/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,509
−HK$9,699/mo
▼ 0.25% · 3.875%
HK$184,324
−HK$4,884/mo
Today · 4.125%
HK$189,208
baseline
▲ 0.50% · 4.625%
HK$199,181
+HK$9,973/mo
Deposit HK$3.93M · loan HK$35.38M · min. income ≈ HK$378,416/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,797 · Scale 2, in force from 26 Feb 2026)