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$90,733
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$93,555
−HK$2,867/mo
Today · 4.125%
HK$96,422
baseline
▲ 0.50% · 4.625%
HK$102,289
+HK$5,867/mo
Deposit HK$19.90M · loan HK$19.90M · min. income ≈ HK$192,844/mo (50% DSR)
Upfront cash ≈ HK$21.59M (deposit + AVD stamp duty HK$1,691,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,939
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$103,646
−HK$2,747/mo
Today · 4.125%
HK$106,393
baseline
▲ 0.50% · 4.625%
HK$112,001
+HK$5,608/mo
Deposit HK$19.90M · loan HK$19.90M · min. income ≈ HK$212,786/mo (50% DSR)
Upfront cash ≈ HK$21.59M (deposit + AVD stamp duty HK$1,691,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,879
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$112,266
−HK$3,441/mo
Today · 4.125%
HK$115,707
baseline
▲ 0.50% · 4.625%
HK$122,747
+HK$7,040/mo
Deposit HK$15.92M · loan HK$23.87M · min. income ≈ HK$231,414/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,691,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,127
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$124,376
−HK$3,295/mo
Today · 4.125%
HK$127,671
baseline
▲ 0.50% · 4.625%
HK$134,401
+HK$6,730/mo
Deposit HK$15.92M · loan HK$23.87M · min. income ≈ HK$255,342/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,691,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,026
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$130,977
−HK$4,014/mo
Today · 4.125%
HK$134,991
baseline
▲ 0.50% · 4.625%
HK$143,205
+HK$8,214/mo
Deposit HK$11.94M · loan HK$27.85M · min. income ≈ HK$269,982/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,691,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,315
−HK$7,635/mo
▼ 0.25% · 3.875%
HK$145,105
−HK$3,845/mo
Today · 4.125%
HK$148,950
baseline
▲ 0.50% · 4.625%
HK$156,801
+HK$7,851/mo
Deposit HK$11.94M · loan HK$27.85M · min. income ≈ HK$297,900/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,691,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,319
−HK$10,241/mo
▼ 0.25% · 3.875%
HK$168,399
−HK$5,161/mo
Today · 4.125%
HK$173,560
baseline
▲ 0.50% · 4.625%
HK$184,121
+HK$10,561/mo
Deposit HK$3.98M · loan HK$35.81M · min. income ≈ HK$347,120/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,691,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,691
−HK$9,816/mo
▼ 0.25% · 3.875%
HK$186,563
−HK$4,944/mo
Today · 4.125%
HK$191,507
baseline
▲ 0.50% · 4.625%
HK$201,601
+HK$10,094/mo
Deposit HK$3.98M · loan HK$35.81M · min. income ≈ HK$383,014/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,691,099 · Scale 2, in force from 26 Feb 2026)