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$90,483
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$93,298
−HK$2,859/mo
Today · 4.125%
HK$96,157
baseline
▲ 0.50% · 4.625%
HK$102,008
+HK$5,851/mo
Deposit HK$19.84M · loan HK$19.84M · min. income ≈ HK$192,314/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$1,686,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,662
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$103,361
−HK$2,739/mo
Today · 4.125%
HK$106,100
baseline
▲ 0.50% · 4.625%
HK$111,693
+HK$5,593/mo
Deposit HK$19.84M · loan HK$19.84M · min. income ≈ HK$212,200/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$1,686,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,580
−HK$6,809/mo
▼ 0.25% · 3.875%
HK$111,957
−HK$3,432/mo
Today · 4.125%
HK$115,389
baseline
▲ 0.50% · 4.625%
HK$122,410
+HK$7,021/mo
Deposit HK$15.87M · loan HK$23.81M · min. income ≈ HK$230,778/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,686,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,794
−HK$6,526/mo
▼ 0.25% · 3.875%
HK$124,034
−HK$3,286/mo
Today · 4.125%
HK$127,320
baseline
▲ 0.50% · 4.625%
HK$134,031
+HK$6,711/mo
Deposit HK$15.87M · loan HK$23.81M · min. income ≈ HK$254,640/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,686,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,677
−HK$7,943/mo
▼ 0.25% · 3.875%
HK$130,617
−HK$4,003/mo
Today · 4.125%
HK$134,620
baseline
▲ 0.50% · 4.625%
HK$142,812
+HK$8,192/mo
Deposit HK$11.90M · loan HK$27.78M · min. income ≈ HK$269,240/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,686,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,926
−HK$7,614/mo
▼ 0.25% · 3.875%
HK$144,706
−HK$3,834/mo
Today · 4.125%
HK$148,540
baseline
▲ 0.50% · 4.625%
HK$156,370
+HK$7,830/mo
Deposit HK$11.90M · loan HK$27.78M · min. income ≈ HK$297,080/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,686,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,870
−HK$10,213/mo
▼ 0.25% · 3.875%
HK$167,936
−HK$5,147/mo
Today · 4.125%
HK$173,083
baseline
▲ 0.50% · 4.625%
HK$183,615
+HK$10,532/mo
Deposit HK$3.97M · loan HK$35.71M · min. income ≈ HK$346,166/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,686,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,191
−HK$9,789/mo
▼ 0.25% · 3.875%
HK$186,051
−HK$4,929/mo
Today · 4.125%
HK$190,980
baseline
▲ 0.50% · 4.625%
HK$201,047
+HK$10,067/mo
Deposit HK$3.97M · loan HK$35.71M · min. income ≈ HK$381,960/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,686,451 · Scale 2, in force from 26 Feb 2026)