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$90,982
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,812
−HK$2,876/mo
Today · 4.125%
HK$96,688
baseline
▲ 0.50% · 4.625%
HK$102,571
+HK$5,883/mo
Deposit HK$19.95M · loan HK$19.95M · min. income ≈ HK$193,376/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$1,695,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,217
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$103,932
−HK$2,753/mo
Today · 4.125%
HK$106,685
baseline
▲ 0.50% · 4.625%
HK$112,309
+HK$5,624/mo
Deposit HK$19.95M · loan HK$19.95M · min. income ≈ HK$213,370/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$1,695,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,179
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$112,575
−HK$3,450/mo
Today · 4.125%
HK$116,025
baseline
▲ 0.50% · 4.625%
HK$123,085
+HK$7,060/mo
Deposit HK$15.96M · loan HK$23.94M · min. income ≈ HK$232,050/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,695,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,460
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$124,718
−HK$3,304/mo
Today · 4.125%
HK$128,022
baseline
▲ 0.50% · 4.625%
HK$134,771
+HK$6,749/mo
Deposit HK$15.96M · loan HK$23.94M · min. income ≈ HK$256,044/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,695,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,375
−HK$7,988/mo
▼ 0.25% · 3.875%
HK$131,337
−HK$4,026/mo
Today · 4.125%
HK$135,363
baseline
▲ 0.50% · 4.625%
HK$143,599
+HK$8,236/mo
Deposit HK$11.97M · loan HK$27.93M · min. income ≈ HK$270,726/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,695,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,704
−HK$7,656/mo
▼ 0.25% · 3.875%
HK$145,504
−HK$3,856/mo
Today · 4.125%
HK$149,360
baseline
▲ 0.50% · 4.625%
HK$157,233
+HK$7,873/mo
Deposit HK$11.97M · loan HK$27.93M · min. income ≈ HK$298,720/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,695,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,768
−HK$10,270/mo
▼ 0.25% · 3.875%
HK$168,862
−HK$5,176/mo
Today · 4.125%
HK$174,038
baseline
▲ 0.50% · 4.625%
HK$184,628
+HK$10,590/mo
Deposit HK$3.99M · loan HK$35.91M · min. income ≈ HK$348,076/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,695,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,191
−HK$9,843/mo
▼ 0.25% · 3.875%
HK$187,077
−HK$4,957/mo
Today · 4.125%
HK$192,034
baseline
▲ 0.50% · 4.625%
HK$202,156
+HK$10,122/mo
Deposit HK$3.99M · loan HK$35.91M · min. income ≈ HK$384,068/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,695,753 · Scale 2, in force from 26 Feb 2026)