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$90,994
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,824
−HK$2,876/mo
Today · 4.125%
HK$96,700
baseline
▲ 0.50% · 4.625%
HK$102,584
+HK$5,884/mo
Deposit HK$19.95M · loan HK$19.95M · min. income ≈ HK$193,400/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$1,695,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,230
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$103,945
−HK$2,754/mo
Today · 4.125%
HK$106,699
baseline
▲ 0.50% · 4.625%
HK$112,323
+HK$5,624/mo
Deposit HK$19.95M · loan HK$19.95M · min. income ≈ HK$213,398/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$1,695,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,193
−HK$6,847/mo
▼ 0.25% · 3.875%
HK$112,589
−HK$3,451/mo
Today · 4.125%
HK$116,040
baseline
▲ 0.50% · 4.625%
HK$123,101
+HK$7,061/mo
Deposit HK$15.96M · loan HK$23.94M · min. income ≈ HK$232,080/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,695,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,476
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$124,734
−HK$3,305/mo
Today · 4.125%
HK$128,039
baseline
▲ 0.50% · 4.625%
HK$134,788
+HK$6,749/mo
Deposit HK$15.96M · loan HK$23.94M · min. income ≈ HK$256,078/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,695,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,391
−HK$7,989/mo
▼ 0.25% · 3.875%
HK$131,354
−HK$4,026/mo
Today · 4.125%
HK$135,380
baseline
▲ 0.50% · 4.625%
HK$143,618
+HK$8,238/mo
Deposit HK$11.97M · loan HK$27.93M · min. income ≈ HK$270,760/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,695,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,722
−HK$7,657/mo
▼ 0.25% · 3.875%
HK$145,523
−HK$3,856/mo
Today · 4.125%
HK$149,379
baseline
▲ 0.50% · 4.625%
HK$157,252
+HK$7,873/mo
Deposit HK$11.97M · loan HK$27.93M · min. income ≈ HK$298,758/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,695,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,789
−HK$10,271/mo
▼ 0.25% · 3.875%
HK$168,884
−HK$5,176/mo
Today · 4.125%
HK$174,060
baseline
▲ 0.50% · 4.625%
HK$184,651
+HK$10,591/mo
Deposit HK$3.99M · loan HK$35.91M · min. income ≈ HK$348,120/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,695,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,214
−HK$9,844/mo
▼ 0.25% · 3.875%
HK$187,101
−HK$4,957/mo
Today · 4.125%
HK$192,058
baseline
▲ 0.50% · 4.625%
HK$202,182
+HK$10,124/mo
Deposit HK$3.99M · loan HK$35.91M · min. income ≈ HK$384,116/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,695,968 · Scale 2, in force from 26 Feb 2026)