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$90,597
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$93,415
−HK$2,863/mo
Today · 4.125%
HK$96,278
baseline
▲ 0.50% · 4.625%
HK$102,136
+HK$5,858/mo
Deposit HK$19.87M · loan HK$19.87M · min. income ≈ HK$192,556/mo (50% DSR)
Upfront cash ≈ HK$21.55M (deposit + AVD stamp duty HK$1,688,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,788
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$103,491
−HK$2,742/mo
Today · 4.125%
HK$106,233
baseline
▲ 0.50% · 4.625%
HK$111,833
+HK$5,600/mo
Deposit HK$19.87M · loan HK$19.87M · min. income ≈ HK$212,466/mo (50% DSR)
Upfront cash ≈ HK$21.55M (deposit + AVD stamp duty HK$1,688,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,716
−HK$6,818/mo
▼ 0.25% · 3.875%
HK$112,098
−HK$3,436/mo
Today · 4.125%
HK$115,534
baseline
▲ 0.50% · 4.625%
HK$122,564
+HK$7,030/mo
Deposit HK$15.89M · loan HK$23.84M · min. income ≈ HK$231,068/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,688,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,946
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$124,189
−HK$3,291/mo
Today · 4.125%
HK$127,480
baseline
▲ 0.50% · 4.625%
HK$134,200
+HK$6,720/mo
Deposit HK$15.89M · loan HK$23.84M · min. income ≈ HK$254,960/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,688,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,835
−HK$7,954/mo
▼ 0.25% · 3.875%
HK$130,781
−HK$4,008/mo
Today · 4.125%
HK$134,789
baseline
▲ 0.50% · 4.625%
HK$142,991
+HK$8,202/mo
Deposit HK$11.92M · loan HK$27.81M · min. income ≈ HK$269,578/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,688,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,103
−HK$7,624/mo
▼ 0.25% · 3.875%
HK$144,888
−HK$3,839/mo
Today · 4.125%
HK$148,727
baseline
▲ 0.50% · 4.625%
HK$156,566
+HK$7,839/mo
Deposit HK$11.92M · loan HK$27.81M · min. income ≈ HK$297,454/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,688,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,074
−HK$10,226/mo
▼ 0.25% · 3.875%
HK$168,147
−HK$5,153/mo
Today · 4.125%
HK$173,300
baseline
▲ 0.50% · 4.625%
HK$183,845
+HK$10,545/mo
Deposit HK$3.97M · loan HK$35.76M · min. income ≈ HK$346,600/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,688,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,418
−HK$9,802/mo
▼ 0.25% · 3.875%
HK$186,284
−HK$4,936/mo
Today · 4.125%
HK$191,220
baseline
▲ 0.50% · 4.625%
HK$201,299
+HK$10,079/mo
Deposit HK$3.97M · loan HK$35.76M · min. income ≈ HK$382,440/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,688,566 · Scale 2, in force from 26 Feb 2026)