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$91,023
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$93,854
−HK$2,877/mo
Today · 4.125%
HK$96,731
baseline
▲ 0.50% · 4.625%
HK$102,617
+HK$5,886/mo
Deposit HK$19.96M · loan HK$19.96M · min. income ≈ HK$193,462/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$1,696,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,262
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$103,978
−HK$2,755/mo
Today · 4.125%
HK$106,733
baseline
▲ 0.50% · 4.625%
HK$112,359
+HK$5,626/mo
Deposit HK$19.96M · loan HK$19.96M · min. income ≈ HK$213,466/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$1,696,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,228
−HK$6,849/mo
▼ 0.25% · 3.875%
HK$112,625
−HK$3,452/mo
Today · 4.125%
HK$116,077
baseline
▲ 0.50% · 4.625%
HK$123,140
+HK$7,063/mo
Deposit HK$15.97M · loan HK$23.95M · min. income ≈ HK$232,154/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,696,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,515
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$124,774
−HK$3,306/mo
Today · 4.125%
HK$128,080
baseline
▲ 0.50% · 4.625%
HK$134,831
+HK$6,751/mo
Deposit HK$15.97M · loan HK$23.95M · min. income ≈ HK$256,160/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,696,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,432
−HK$7,991/mo
▼ 0.25% · 3.875%
HK$131,396
−HK$4,027/mo
Today · 4.125%
HK$135,423
baseline
▲ 0.50% · 4.625%
HK$143,664
+HK$8,241/mo
Deposit HK$11.98M · loan HK$27.94M · min. income ≈ HK$270,846/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,696,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,767
−HK$7,659/mo
▼ 0.25% · 3.875%
HK$145,569
−HK$3,857/mo
Today · 4.125%
HK$149,426
baseline
▲ 0.50% · 4.625%
HK$157,303
+HK$7,877/mo
Deposit HK$11.98M · loan HK$27.94M · min. income ≈ HK$298,852/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,696,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,841
−HK$10,275/mo
▼ 0.25% · 3.875%
HK$168,938
−HK$5,178/mo
Today · 4.125%
HK$174,116
baseline
▲ 0.50% · 4.625%
HK$184,710
+HK$10,594/mo
Deposit HK$3.99M · loan HK$35.93M · min. income ≈ HK$348,232/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,696,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,272
−HK$9,848/mo
▼ 0.25% · 3.875%
HK$187,160
−HK$4,960/mo
Today · 4.125%
HK$192,120
baseline
▲ 0.50% · 4.625%
HK$202,246
+HK$10,126/mo
Deposit HK$3.99M · loan HK$35.93M · min. income ≈ HK$384,240/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,696,510 · Scale 2, in force from 26 Feb 2026)