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$90,510
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$93,325
−HK$2,860/mo
Today · 4.125%
HK$96,185
baseline
▲ 0.50% · 4.625%
HK$102,038
+HK$5,853/mo
Deposit HK$19.85M · loan HK$19.85M · min. income ≈ HK$192,370/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$1,686,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,691
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$103,392
−HK$2,739/mo
Today · 4.125%
HK$106,131
baseline
▲ 0.50% · 4.625%
HK$111,725
+HK$5,594/mo
Deposit HK$19.85M · loan HK$19.85M · min. income ≈ HK$212,262/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$1,686,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,612
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$111,990
−HK$3,432/mo
Today · 4.125%
HK$115,422
baseline
▲ 0.50% · 4.625%
HK$122,446
+HK$7,024/mo
Deposit HK$15.88M · loan HK$23.82M · min. income ≈ HK$230,844/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,686,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,829
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$124,070
−HK$3,287/mo
Today · 4.125%
HK$127,357
baseline
▲ 0.50% · 4.625%
HK$134,070
+HK$6,713/mo
Deposit HK$15.88M · loan HK$23.82M · min. income ≈ HK$254,714/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,686,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,713
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$130,655
−HK$4,005/mo
Today · 4.125%
HK$134,660
baseline
▲ 0.50% · 4.625%
HK$142,853
+HK$8,193/mo
Deposit HK$11.91M · loan HK$27.78M · min. income ≈ HK$269,320/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,686,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,967
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$144,748
−HK$3,836/mo
Today · 4.125%
HK$148,584
baseline
▲ 0.50% · 4.625%
HK$156,416
+HK$7,832/mo
Deposit HK$11.91M · loan HK$27.78M · min. income ≈ HK$297,168/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,686,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,917
−HK$10,217/mo
▼ 0.25% · 3.875%
HK$167,985
−HK$5,149/mo
Today · 4.125%
HK$173,134
baseline
▲ 0.50% · 4.625%
HK$183,668
+HK$10,534/mo
Deposit HK$3.97M · loan HK$35.72M · min. income ≈ HK$346,268/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,686,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,244
−HK$9,792/mo
▼ 0.25% · 3.875%
HK$186,105
−HK$4,931/mo
Today · 4.125%
HK$191,036
baseline
▲ 0.50% · 4.625%
HK$201,106
+HK$10,070/mo
Deposit HK$3.97M · loan HK$35.72M · min. income ≈ HK$382,072/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,686,942 · Scale 2, in force from 26 Feb 2026)