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$90,641
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$93,461
−HK$2,864/mo
Today · 4.125%
HK$96,325
baseline
▲ 0.50% · 4.625%
HK$102,186
+HK$5,861/mo
Deposit HK$19.88M · loan HK$19.88M · min. income ≈ HK$192,650/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$1,689,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,838
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$103,542
−HK$2,743/mo
Today · 4.125%
HK$106,285
baseline
▲ 0.50% · 4.625%
HK$111,888
+HK$5,603/mo
Deposit HK$19.88M · loan HK$19.88M · min. income ≈ HK$212,570/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$1,689,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,770
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$112,153
−HK$3,437/mo
Today · 4.125%
HK$115,590
baseline
▲ 0.50% · 4.625%
HK$122,624
+HK$7,034/mo
Deposit HK$15.90M · loan HK$23.85M · min. income ≈ HK$231,180/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,689,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,005
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$124,250
−HK$3,293/mo
Today · 4.125%
HK$127,543
baseline
▲ 0.50% · 4.625%
HK$134,265
+HK$6,722/mo
Deposit HK$15.90M · loan HK$23.85M · min. income ≈ HK$255,086/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,689,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,898
−HK$7,957/mo
▼ 0.25% · 3.875%
HK$130,845
−HK$4,010/mo
Today · 4.125%
HK$134,855
baseline
▲ 0.50% · 4.625%
HK$143,061
+HK$8,206/mo
Deposit HK$11.93M · loan HK$27.83M · min. income ≈ HK$269,710/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,689,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,173
−HK$7,627/mo
▼ 0.25% · 3.875%
HK$144,959
−HK$3,841/mo
Today · 4.125%
HK$148,800
baseline
▲ 0.50% · 4.625%
HK$156,643
+HK$7,843/mo
Deposit HK$11.93M · loan HK$27.83M · min. income ≈ HK$297,600/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,689,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,154
−HK$10,232/mo
▼ 0.25% · 3.875%
HK$168,229
−HK$5,157/mo
Today · 4.125%
HK$173,386
baseline
▲ 0.50% · 4.625%
HK$183,936
+HK$10,550/mo
Deposit HK$3.98M · loan HK$35.78M · min. income ≈ HK$346,772/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,689,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,508
−HK$9,806/mo
▼ 0.25% · 3.875%
HK$186,375
−HK$4,939/mo
Today · 4.125%
HK$191,314
baseline
▲ 0.50% · 4.625%
HK$201,398
+HK$10,084/mo
Deposit HK$3.98M · loan HK$35.78M · min. income ≈ HK$382,628/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,689,396 · Scale 2, in force from 26 Feb 2026)