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$90,989
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,820
−HK$2,875/mo
Today · 4.125%
HK$96,695
baseline
▲ 0.50% · 4.625%
HK$102,579
+HK$5,884/mo
Deposit HK$19.95M · loan HK$19.95M · min. income ≈ HK$193,390/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$1,695,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,225
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$103,940
−HK$2,754/mo
Today · 4.125%
HK$106,694
baseline
▲ 0.50% · 4.625%
HK$112,318
+HK$5,624/mo
Deposit HK$19.95M · loan HK$19.95M · min. income ≈ HK$213,388/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$1,695,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,187
−HK$6,847/mo
▼ 0.25% · 3.875%
HK$112,584
−HK$3,450/mo
Today · 4.125%
HK$116,034
baseline
▲ 0.50% · 4.625%
HK$123,095
+HK$7,061/mo
Deposit HK$15.96M · loan HK$23.94M · min. income ≈ HK$232,068/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,695,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,470
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$124,728
−HK$3,304/mo
Today · 4.125%
HK$128,032
baseline
▲ 0.50% · 4.625%
HK$134,781
+HK$6,749/mo
Deposit HK$15.96M · loan HK$23.94M · min. income ≈ HK$256,064/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,695,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,385
−HK$7,988/mo
▼ 0.25% · 3.875%
HK$131,348
−HK$4,025/mo
Today · 4.125%
HK$135,373
baseline
▲ 0.50% · 4.625%
HK$143,611
+HK$8,238/mo
Deposit HK$11.97M · loan HK$27.93M · min. income ≈ HK$270,746/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,695,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,715
−HK$7,656/mo
▼ 0.25% · 3.875%
HK$145,516
−HK$3,855/mo
Today · 4.125%
HK$149,371
baseline
▲ 0.50% · 4.625%
HK$157,245
+HK$7,874/mo
Deposit HK$11.97M · loan HK$27.93M · min. income ≈ HK$298,742/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,695,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,781
−HK$10,271/mo
▼ 0.25% · 3.875%
HK$168,876
−HK$5,176/mo
Today · 4.125%
HK$174,052
baseline
▲ 0.50% · 4.625%
HK$184,642
+HK$10,590/mo
Deposit HK$3.99M · loan HK$35.91M · min. income ≈ HK$348,104/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,695,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,205
−HK$9,844/mo
▼ 0.25% · 3.875%
HK$187,091
−HK$4,958/mo
Today · 4.125%
HK$192,049
baseline
▲ 0.50% · 4.625%
HK$202,172
+HK$10,123/mo
Deposit HK$3.99M · loan HK$35.91M · min. income ≈ HK$384,098/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,695,885 · Scale 2, in force from 26 Feb 2026)