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$90,856
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$93,683
−HK$2,871/mo
Today · 4.125%
HK$96,554
baseline
▲ 0.50% · 4.625%
HK$102,429
+HK$5,875/mo
Deposit HK$19.92M · loan HK$19.92M · min. income ≈ HK$193,108/mo (50% DSR)
Upfront cash ≈ HK$21.62M (deposit + AVD stamp duty HK$1,693,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,077
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$103,788
−HK$2,750/mo
Today · 4.125%
HK$106,538
baseline
▲ 0.50% · 4.625%
HK$112,154
+HK$5,616/mo
Deposit HK$19.92M · loan HK$19.92M · min. income ≈ HK$213,076/mo (50% DSR)
Upfront cash ≈ HK$21.62M (deposit + AVD stamp duty HK$1,693,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,028
−HK$6,837/mo
▼ 0.25% · 3.875%
HK$112,419
−HK$3,446/mo
Today · 4.125%
HK$115,865
baseline
▲ 0.50% · 4.625%
HK$122,915
+HK$7,050/mo
Deposit HK$15.94M · loan HK$23.91M · min. income ≈ HK$231,730/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,693,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,292
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$124,545
−HK$3,300/mo
Today · 4.125%
HK$127,845
baseline
▲ 0.50% · 4.625%
HK$134,584
+HK$6,739/mo
Deposit HK$15.94M · loan HK$23.91M · min. income ≈ HK$255,690/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,693,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,199
−HK$7,977/mo
▼ 0.25% · 3.875%
HK$131,156
−HK$4,020/mo
Today · 4.125%
HK$135,176
baseline
▲ 0.50% · 4.625%
HK$143,401
+HK$8,225/mo
Deposit HK$11.95M · loan HK$27.89M · min. income ≈ HK$270,352/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,693,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,508
−HK$7,645/mo
▼ 0.25% · 3.875%
HK$145,303
−HK$3,850/mo
Today · 4.125%
HK$149,153
baseline
▲ 0.50% · 4.625%
HK$157,015
+HK$7,862/mo
Deposit HK$11.95M · loan HK$27.89M · min. income ≈ HK$298,306/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,693,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,542
−HK$10,255/mo
▼ 0.25% · 3.875%
HK$168,629
−HK$5,168/mo
Today · 4.125%
HK$173,797
baseline
▲ 0.50% · 4.625%
HK$184,372
+HK$10,575/mo
Deposit HK$3.98M · loan HK$35.86M · min. income ≈ HK$347,594/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,693,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,938
−HK$9,830/mo
▼ 0.25% · 3.875%
HK$186,818
−HK$4,950/mo
Today · 4.125%
HK$191,768
baseline
▲ 0.50% · 4.625%
HK$201,876
+HK$10,108/mo
Deposit HK$3.98M · loan HK$35.86M · min. income ≈ HK$383,536/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,693,406 · Scale 2, in force from 26 Feb 2026)