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$90,529
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$93,345
−HK$2,861/mo
Today · 4.125%
HK$96,206
baseline
▲ 0.50% · 4.625%
HK$102,060
+HK$5,854/mo
Deposit HK$19.85M · loan HK$19.85M · min. income ≈ HK$192,412/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$1,687,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,713
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$103,414
−HK$2,740/mo
Today · 4.125%
HK$106,154
baseline
▲ 0.50% · 4.625%
HK$111,750
+HK$5,596/mo
Deposit HK$19.85M · loan HK$19.85M · min. income ≈ HK$212,308/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$1,687,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,635
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$112,014
−HK$3,433/mo
Today · 4.125%
HK$115,447
baseline
▲ 0.50% · 4.625%
HK$122,472
+HK$7,025/mo
Deposit HK$15.88M · loan HK$23.82M · min. income ≈ HK$230,894/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,687,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,855
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$124,097
−HK$3,288/mo
Today · 4.125%
HK$127,385
baseline
▲ 0.50% · 4.625%
HK$134,099
+HK$6,714/mo
Deposit HK$15.88M · loan HK$23.82M · min. income ≈ HK$254,770/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,687,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,741
−HK$7,948/mo
▼ 0.25% · 3.875%
HK$130,683
−HK$4,006/mo
Today · 4.125%
HK$134,689
baseline
▲ 0.50% · 4.625%
HK$142,884
+HK$8,195/mo
Deposit HK$11.91M · loan HK$27.79M · min. income ≈ HK$269,378/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,687,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,998
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$144,779
−HK$3,837/mo
Today · 4.125%
HK$148,616
baseline
▲ 0.50% · 4.625%
HK$156,449
+HK$7,833/mo
Deposit HK$11.91M · loan HK$27.79M · min. income ≈ HK$297,232/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,687,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,953
−HK$10,218/mo
▼ 0.25% · 3.875%
HK$168,021
−HK$5,150/mo
Today · 4.125%
HK$173,171
baseline
▲ 0.50% · 4.625%
HK$183,708
+HK$10,537/mo
Deposit HK$3.97M · loan HK$35.73M · min. income ≈ HK$346,342/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,687,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,283
−HK$9,794/mo
▼ 0.25% · 3.875%
HK$186,145
−HK$4,932/mo
Today · 4.125%
HK$191,077
baseline
▲ 0.50% · 4.625%
HK$201,149
+HK$10,072/mo
Deposit HK$3.97M · loan HK$35.73M · min. income ≈ HK$382,154/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,687,307 · Scale 2, in force from 26 Feb 2026)