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$91,160
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$93,995
−HK$2,881/mo
Today · 4.125%
HK$96,876
baseline
▲ 0.50% · 4.625%
HK$102,771
+HK$5,895/mo
Deposit HK$19.99M · loan HK$19.99M · min. income ≈ HK$193,752/mo (50% DSR)
Upfront cash ≈ HK$21.69M (deposit + AVD stamp duty HK$1,699,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,414
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$104,134
−HK$2,759/mo
Today · 4.125%
HK$106,893
baseline
▲ 0.50% · 4.625%
HK$112,528
+HK$5,635/mo
Deposit HK$19.99M · loan HK$19.99M · min. income ≈ HK$213,786/mo (50% DSR)
Upfront cash ≈ HK$21.69M (deposit + AVD stamp duty HK$1,699,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,392
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$112,794
−HK$3,457/mo
Today · 4.125%
HK$116,251
baseline
▲ 0.50% · 4.625%
HK$123,325
+HK$7,074/mo
Deposit HK$15.99M · loan HK$23.99M · min. income ≈ HK$232,502/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,699,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,697
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$124,961
−HK$3,311/mo
Today · 4.125%
HK$128,272
baseline
▲ 0.50% · 4.625%
HK$135,033
+HK$6,761/mo
Deposit HK$15.99M · loan HK$23.99M · min. income ≈ HK$256,544/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,699,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,624
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$131,593
−HK$4,034/mo
Today · 4.125%
HK$135,627
baseline
▲ 0.50% · 4.625%
HK$143,879
+HK$8,252/mo
Deposit HK$11.99M · loan HK$27.98M · min. income ≈ HK$271,254/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,699,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,980
−HK$7,671/mo
▼ 0.25% · 3.875%
HK$145,788
−HK$3,863/mo
Today · 4.125%
HK$149,651
baseline
▲ 0.50% · 4.625%
HK$157,539
+HK$7,888/mo
Deposit HK$11.99M · loan HK$27.98M · min. income ≈ HK$299,302/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,699,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,087
−HK$10,290/mo
▼ 0.25% · 3.875%
HK$169,191
−HK$5,186/mo
Today · 4.125%
HK$174,377
baseline
▲ 0.50% · 4.625%
HK$184,988
+HK$10,611/mo
Deposit HK$4.00M · loan HK$35.98M · min. income ≈ HK$348,754/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,699,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,546
−HK$9,862/mo
▼ 0.25% · 3.875%
HK$187,441
−HK$4,967/mo
Today · 4.125%
HK$192,408
baseline
▲ 0.50% · 4.625%
HK$202,550
+HK$10,142/mo
Deposit HK$4.00M · loan HK$35.98M · min. income ≈ HK$384,816/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,699,058 · Scale 2, in force from 26 Feb 2026)