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$90,337
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$93,147
−HK$2,855/mo
Today · 4.125%
HK$96,002
baseline
▲ 0.50% · 4.625%
HK$101,844
+HK$5,842/mo
Deposit HK$19.81M · loan HK$19.81M · min. income ≈ HK$192,004/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,500
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$103,195
−HK$2,734/mo
Today · 4.125%
HK$105,929
baseline
▲ 0.50% · 4.625%
HK$111,513
+HK$5,584/mo
Deposit HK$19.81M · loan HK$19.81M · min. income ≈ HK$211,858/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,405
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$111,777
−HK$3,426/mo
Today · 4.125%
HK$115,203
baseline
▲ 0.50% · 4.625%
HK$122,213
+HK$7,010/mo
Deposit HK$15.85M · loan HK$23.77M · min. income ≈ HK$230,406/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,599
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$123,834
−HK$3,281/mo
Today · 4.125%
HK$127,115
baseline
▲ 0.50% · 4.625%
HK$133,815
+HK$6,700/mo
Deposit HK$15.85M · loan HK$23.77M · min. income ≈ HK$254,230/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,472
−HK$7,931/mo
▼ 0.25% · 3.875%
HK$130,406
−HK$3,997/mo
Today · 4.125%
HK$134,403
baseline
▲ 0.50% · 4.625%
HK$142,582
+HK$8,179/mo
Deposit HK$11.89M · loan HK$27.73M · min. income ≈ HK$268,806/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,683,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,699
−HK$7,602/mo
▼ 0.25% · 3.875%
HK$144,473
−HK$3,828/mo
Today · 4.125%
HK$148,301
baseline
▲ 0.50% · 4.625%
HK$156,118
+HK$7,817/mo
Deposit HK$11.89M · loan HK$27.73M · min. income ≈ HK$296,602/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,683,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,607
−HK$10,197/mo
▼ 0.25% · 3.875%
HK$167,665
−HK$5,139/mo
Today · 4.125%
HK$172,804
baseline
▲ 0.50% · 4.625%
HK$183,319
+HK$10,515/mo
Deposit HK$3.96M · loan HK$35.66M · min. income ≈ HK$345,608/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,683,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,899
−HK$9,774/mo
▼ 0.25% · 3.875%
HK$185,751
−HK$4,922/mo
Today · 4.125%
HK$190,673
baseline
▲ 0.50% · 4.625%
HK$200,723
+HK$10,050/mo
Deposit HK$3.96M · loan HK$35.66M · min. income ≈ HK$381,346/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,683,733 · Scale 2, in force from 26 Feb 2026)