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$90,778
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$93,602
−HK$2,869/mo
Today · 4.125%
HK$96,471
baseline
▲ 0.50% · 4.625%
HK$102,341
+HK$5,870/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$192,942/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$1,691,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,990
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$103,699
−HK$2,747/mo
Today · 4.125%
HK$106,446
baseline
▲ 0.50% · 4.625%
HK$112,057
+HK$5,611/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$212,892/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$1,691,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,934
−HK$6,831/mo
▼ 0.25% · 3.875%
HK$112,323
−HK$3,442/mo
Today · 4.125%
HK$115,765
baseline
▲ 0.50% · 4.625%
HK$122,809
+HK$7,044/mo
Deposit HK$15.92M · loan HK$23.89M · min. income ≈ HK$231,530/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,691,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,188
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$124,438
−HK$3,298/mo
Today · 4.125%
HK$127,736
baseline
▲ 0.50% · 4.625%
HK$134,469
+HK$6,733/mo
Deposit HK$15.92M · loan HK$23.89M · min. income ≈ HK$255,472/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,691,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,090
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$131,043
−HK$4,016/mo
Today · 4.125%
HK$135,059
baseline
▲ 0.50% · 4.625%
HK$143,278
+HK$8,219/mo
Deposit HK$11.94M · loan HK$27.87M · min. income ≈ HK$270,118/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,691,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,386
−HK$7,639/mo
▼ 0.25% · 3.875%
HK$145,178
−HK$3,847/mo
Today · 4.125%
HK$149,025
baseline
▲ 0.50% · 4.625%
HK$156,880
+HK$7,855/mo
Deposit HK$11.94M · loan HK$27.87M · min. income ≈ HK$298,050/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,691,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,401
−HK$10,247/mo
▼ 0.25% · 3.875%
HK$168,484
−HK$5,164/mo
Today · 4.125%
HK$173,648
baseline
▲ 0.50% · 4.625%
HK$184,214
+HK$10,566/mo
Deposit HK$3.98M · loan HK$35.83M · min. income ≈ HK$347,296/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,691,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,782
−HK$9,821/mo
▼ 0.25% · 3.875%
HK$186,657
−HK$4,946/mo
Today · 4.125%
HK$191,603
baseline
▲ 0.50% · 4.625%
HK$201,703
+HK$10,100/mo
Deposit HK$3.98M · loan HK$35.83M · min. income ≈ HK$383,206/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,691,952 · Scale 2, in force from 26 Feb 2026)