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$90,766
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$93,590
−HK$2,868/mo
Today · 4.125%
HK$96,458
baseline
▲ 0.50% · 4.625%
HK$102,328
+HK$5,870/mo
Deposit HK$19.90M · loan HK$19.90M · min. income ≈ HK$192,916/mo (50% DSR)
Upfront cash ≈ HK$21.59M (deposit + AVD stamp duty HK$1,691,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,977
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$103,685
−HK$2,747/mo
Today · 4.125%
HK$106,432
baseline
▲ 0.50% · 4.625%
HK$112,042
+HK$5,610/mo
Deposit HK$19.90M · loan HK$19.90M · min. income ≈ HK$212,864/mo (50% DSR)
Upfront cash ≈ HK$21.59M (deposit + AVD stamp duty HK$1,691,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,920
−HK$6,830/mo
▼ 0.25% · 3.875%
HK$112,308
−HK$3,442/mo
Today · 4.125%
HK$115,750
baseline
▲ 0.50% · 4.625%
HK$122,793
+HK$7,043/mo
Deposit HK$15.92M · loan HK$23.88M · min. income ≈ HK$231,500/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,691,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,172
−HK$6,547/mo
▼ 0.25% · 3.875%
HK$124,422
−HK$3,297/mo
Today · 4.125%
HK$127,719
baseline
▲ 0.50% · 4.625%
HK$134,451
+HK$6,732/mo
Deposit HK$15.92M · loan HK$23.88M · min. income ≈ HK$255,438/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,691,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,073
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$131,026
−HK$4,016/mo
Today · 4.125%
HK$135,042
baseline
▲ 0.50% · 4.625%
HK$143,259
+HK$8,217/mo
Deposit HK$11.94M · loan HK$27.86M · min. income ≈ HK$270,084/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,691,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,367
−HK$7,638/mo
▼ 0.25% · 3.875%
HK$145,159
−HK$3,846/mo
Today · 4.125%
HK$149,005
baseline
▲ 0.50% · 4.625%
HK$156,859
+HK$7,854/mo
Deposit HK$11.94M · loan HK$27.86M · min. income ≈ HK$298,010/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,691,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,380
−HK$10,245/mo
▼ 0.25% · 3.875%
HK$168,462
−HK$5,163/mo
Today · 4.125%
HK$173,625
baseline
▲ 0.50% · 4.625%
HK$184,190
+HK$10,565/mo
Deposit HK$3.98M · loan HK$35.82M · min. income ≈ HK$347,250/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,691,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,758
−HK$9,820/mo
▼ 0.25% · 3.875%
HK$186,633
−HK$4,945/mo
Today · 4.125%
HK$191,578
baseline
▲ 0.50% · 4.625%
HK$201,676
+HK$10,098/mo
Deposit HK$3.98M · loan HK$35.82M · min. income ≈ HK$383,156/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,691,728 · Scale 2, in force from 26 Feb 2026)