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$90,814
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$93,638
−HK$2,870/mo
Today · 4.125%
HK$96,508
baseline
▲ 0.50% · 4.625%
HK$102,381
+HK$5,873/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$193,016/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$1,692,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,029
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$103,739
−HK$2,748/mo
Today · 4.125%
HK$106,487
baseline
▲ 0.50% · 4.625%
HK$112,101
+HK$5,614/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$212,974/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$1,692,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,976
−HK$6,834/mo
▼ 0.25% · 3.875%
HK$112,366
−HK$3,444/mo
Today · 4.125%
HK$115,810
baseline
▲ 0.50% · 4.625%
HK$122,857
+HK$7,047/mo
Deposit HK$15.93M · loan HK$23.90M · min. income ≈ HK$231,620/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,692,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,235
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$124,486
−HK$3,299/mo
Today · 4.125%
HK$127,785
baseline
▲ 0.50% · 4.625%
HK$134,521
+HK$6,736/mo
Deposit HK$15.93M · loan HK$23.90M · min. income ≈ HK$255,570/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,692,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,139
−HK$7,973/mo
▼ 0.25% · 3.875%
HK$131,094
−HK$4,018/mo
Today · 4.125%
HK$135,112
baseline
▲ 0.50% · 4.625%
HK$143,333
+HK$8,221/mo
Deposit HK$11.95M · loan HK$27.88M · min. income ≈ HK$270,224/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,441
−HK$7,641/mo
▼ 0.25% · 3.875%
HK$145,234
−HK$3,848/mo
Today · 4.125%
HK$149,082
baseline
▲ 0.50% · 4.625%
HK$156,941
+HK$7,859/mo
Deposit HK$11.95M · loan HK$27.88M · min. income ≈ HK$298,164/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,464
−HK$10,251/mo
▼ 0.25% · 3.875%
HK$168,549
−HK$5,166/mo
Today · 4.125%
HK$173,715
baseline
▲ 0.50% · 4.625%
HK$184,285
+HK$10,570/mo
Deposit HK$3.98M · loan HK$35.84M · min. income ≈ HK$347,430/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,692,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,853
−HK$9,824/mo
▼ 0.25% · 3.875%
HK$186,730
−HK$4,947/mo
Today · 4.125%
HK$191,677
baseline
▲ 0.50% · 4.625%
HK$201,781
+HK$10,104/mo
Deposit HK$3.98M · loan HK$35.84M · min. income ≈ HK$383,354/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,692,607 · Scale 2, in force from 26 Feb 2026)