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$90,606
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$93,424
−HK$2,864/mo
Today · 4.125%
HK$96,288
baseline
▲ 0.50% · 4.625%
HK$102,146
+HK$5,858/mo
Deposit HK$19.87M · loan HK$19.87M · min. income ≈ HK$192,576/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$1,688,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,798
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$103,501
−HK$2,743/mo
Today · 4.125%
HK$106,244
baseline
▲ 0.50% · 4.625%
HK$111,844
+HK$5,600/mo
Deposit HK$19.87M · loan HK$19.87M · min. income ≈ HK$212,488/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$1,688,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,727
−HK$6,818/mo
▼ 0.25% · 3.875%
HK$112,109
−HK$3,436/mo
Today · 4.125%
HK$115,545
baseline
▲ 0.50% · 4.625%
HK$122,576
+HK$7,031/mo
Deposit HK$15.89M · loan HK$23.84M · min. income ≈ HK$231,090/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,688,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,958
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$124,202
−HK$3,291/mo
Today · 4.125%
HK$127,493
baseline
▲ 0.50% · 4.625%
HK$134,213
+HK$6,720/mo
Deposit HK$15.89M · loan HK$23.84M · min. income ≈ HK$254,986/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,688,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,848
−HK$7,955/mo
▼ 0.25% · 3.875%
HK$130,794
−HK$4,009/mo
Today · 4.125%
HK$134,803
baseline
▲ 0.50% · 4.625%
HK$143,005
+HK$8,202/mo
Deposit HK$11.92M · loan HK$27.81M · min. income ≈ HK$269,606/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,688,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,117
−HK$7,624/mo
▼ 0.25% · 3.875%
HK$144,902
−HK$3,839/mo
Today · 4.125%
HK$148,741
baseline
▲ 0.50% · 4.625%
HK$156,582
+HK$7,841/mo
Deposit HK$11.92M · loan HK$27.81M · min. income ≈ HK$297,482/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,688,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,090
−HK$10,228/mo
▼ 0.25% · 3.875%
HK$168,164
−HK$5,154/mo
Today · 4.125%
HK$173,318
baseline
▲ 0.50% · 4.625%
HK$183,864
+HK$10,546/mo
Deposit HK$3.97M · loan HK$35.76M · min. income ≈ HK$346,636/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,688,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,437
−HK$9,802/mo
▼ 0.25% · 3.875%
HK$186,303
−HK$4,936/mo
Today · 4.125%
HK$191,239
baseline
▲ 0.50% · 4.625%
HK$201,319
+HK$10,080/mo
Deposit HK$3.97M · loan HK$35.76M · min. income ≈ HK$382,478/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,688,735 · Scale 2, in force from 26 Feb 2026)