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$91,059
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$93,892
−HK$2,878/mo
Today · 4.125%
HK$96,770
baseline
▲ 0.50% · 4.625%
HK$102,658
+HK$5,888/mo
Deposit HK$19.97M · loan HK$19.97M · min. income ≈ HK$193,540/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$1,697,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,303
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$104,019
−HK$2,757/mo
Today · 4.125%
HK$106,776
baseline
▲ 0.50% · 4.625%
HK$112,404
+HK$5,628/mo
Deposit HK$19.97M · loan HK$19.97M · min. income ≈ HK$213,552/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$1,697,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,271
−HK$6,852/mo
▼ 0.25% · 3.875%
HK$112,670
−HK$3,453/mo
Today · 4.125%
HK$116,123
baseline
▲ 0.50% · 4.625%
HK$123,189
+HK$7,066/mo
Deposit HK$15.97M · loan HK$23.96M · min. income ≈ HK$232,246/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,697,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,563
−HK$6,568/mo
▼ 0.25% · 3.875%
HK$124,823
−HK$3,308/mo
Today · 4.125%
HK$128,131
baseline
▲ 0.50% · 4.625%
HK$134,885
+HK$6,754/mo
Deposit HK$15.97M · loan HK$23.96M · min. income ≈ HK$256,262/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,697,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,483
−HK$7,994/mo
▼ 0.25% · 3.875%
HK$131,449
−HK$4,028/mo
Today · 4.125%
HK$135,477
baseline
▲ 0.50% · 4.625%
HK$143,721
+HK$8,244/mo
Deposit HK$11.98M · loan HK$27.95M · min. income ≈ HK$270,954/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,697,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,824
−HK$7,662/mo
▼ 0.25% · 3.875%
HK$145,627
−HK$3,859/mo
Today · 4.125%
HK$149,486
baseline
▲ 0.50% · 4.625%
HK$157,366
+HK$7,880/mo
Deposit HK$11.98M · loan HK$27.95M · min. income ≈ HK$298,972/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,697,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,907
−HK$10,278/mo
▼ 0.25% · 3.875%
HK$169,005
−HK$5,180/mo
Today · 4.125%
HK$174,185
baseline
▲ 0.50% · 4.625%
HK$184,784
+HK$10,599/mo
Deposit HK$3.99M · loan HK$35.94M · min. income ≈ HK$348,370/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,697,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,345
−HK$9,851/mo
▼ 0.25% · 3.875%
HK$187,235
−HK$4,961/mo
Today · 4.125%
HK$192,196
baseline
▲ 0.50% · 4.625%
HK$202,327
+HK$10,131/mo
Deposit HK$3.99M · loan HK$35.94M · min. income ≈ HK$384,392/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,697,188 · Scale 2, in force from 26 Feb 2026)