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$90,839
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$93,664
−HK$2,871/mo
Today · 4.125%
HK$96,535
baseline
▲ 0.50% · 4.625%
HK$102,409
+HK$5,874/mo
Deposit HK$19.92M · loan HK$19.92M · min. income ≈ HK$193,070/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$1,693,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,057
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,767
−HK$2,750/mo
Today · 4.125%
HK$106,517
baseline
▲ 0.50% · 4.625%
HK$112,132
+HK$5,615/mo
Deposit HK$19.92M · loan HK$19.92M · min. income ≈ HK$213,034/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$1,693,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,006
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$112,397
−HK$3,445/mo
Today · 4.125%
HK$115,842
baseline
▲ 0.50% · 4.625%
HK$122,891
+HK$7,049/mo
Deposit HK$15.93M · loan HK$23.90M · min. income ≈ HK$231,684/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,693,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,269
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$124,521
−HK$3,299/mo
Today · 4.125%
HK$127,820
baseline
▲ 0.50% · 4.625%
HK$134,558
+HK$6,738/mo
Deposit HK$15.93M · loan HK$23.90M · min. income ≈ HK$255,640/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,693,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,174
−HK$7,975/mo
▼ 0.25% · 3.875%
HK$131,130
−HK$4,019/mo
Today · 4.125%
HK$135,149
baseline
▲ 0.50% · 4.625%
HK$143,373
+HK$8,224/mo
Deposit HK$11.95M · loan HK$27.89M · min. income ≈ HK$270,298/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,693,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,480
−HK$7,644/mo
▼ 0.25% · 3.875%
HK$145,274
−HK$3,850/mo
Today · 4.125%
HK$149,124
baseline
▲ 0.50% · 4.625%
HK$156,984
+HK$7,860/mo
Deposit HK$11.95M · loan HK$27.89M · min. income ≈ HK$298,248/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,693,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,510
−HK$10,253/mo
▼ 0.25% · 3.875%
HK$168,596
−HK$5,167/mo
Today · 4.125%
HK$173,763
baseline
▲ 0.50% · 4.625%
HK$184,336
+HK$10,573/mo
Deposit HK$3.98M · loan HK$35.85M · min. income ≈ HK$347,526/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,693,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,903
−HK$9,828/mo
▼ 0.25% · 3.875%
HK$186,781
−HK$4,950/mo
Today · 4.125%
HK$191,731
baseline
▲ 0.50% · 4.625%
HK$201,837
+HK$10,106/mo
Deposit HK$3.98M · loan HK$35.85M · min. income ≈ HK$383,462/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,693,076 · Scale 2, in force from 26 Feb 2026)