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$91,002
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,832
−HK$2,876/mo
Today · 4.125%
HK$96,708
baseline
▲ 0.50% · 4.625%
HK$102,593
+HK$5,885/mo
Deposit HK$19.95M · loan HK$19.95M · min. income ≈ HK$193,416/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$1,696,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,238
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$103,954
−HK$2,754/mo
Today · 4.125%
HK$106,708
baseline
▲ 0.50% · 4.625%
HK$112,333
+HK$5,625/mo
Deposit HK$19.95M · loan HK$19.95M · min. income ≈ HK$213,416/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$1,696,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,202
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$112,599
−HK$3,451/mo
Today · 4.125%
HK$116,050
baseline
▲ 0.50% · 4.625%
HK$123,111
+HK$7,061/mo
Deposit HK$15.96M · loan HK$23.95M · min. income ≈ HK$232,100/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,696,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,486
−HK$6,564/mo
▼ 0.25% · 3.875%
HK$124,744
−HK$3,306/mo
Today · 4.125%
HK$128,050
baseline
▲ 0.50% · 4.625%
HK$134,799
+HK$6,749/mo
Deposit HK$15.96M · loan HK$23.95M · min. income ≈ HK$256,100/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,696,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,402
−HK$7,990/mo
▼ 0.25% · 3.875%
HK$131,365
−HK$4,027/mo
Today · 4.125%
HK$135,392
baseline
▲ 0.50% · 4.625%
HK$143,630
+HK$8,238/mo
Deposit HK$11.97M · loan HK$27.94M · min. income ≈ HK$270,784/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,696,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,734
−HK$7,657/mo
▼ 0.25% · 3.875%
HK$145,535
−HK$3,856/mo
Today · 4.125%
HK$149,391
baseline
▲ 0.50% · 4.625%
HK$157,266
+HK$7,875/mo
Deposit HK$11.97M · loan HK$27.94M · min. income ≈ HK$298,782/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,696,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,803
−HK$10,272/mo
▼ 0.25% · 3.875%
HK$168,898
−HK$5,177/mo
Today · 4.125%
HK$174,075
baseline
▲ 0.50% · 4.625%
HK$184,667
+HK$10,592/mo
Deposit HK$3.99M · loan HK$35.92M · min. income ≈ HK$348,150/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,696,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,229
−HK$9,845/mo
▼ 0.25% · 3.875%
HK$187,116
−HK$4,958/mo
Today · 4.125%
HK$192,074
baseline
▲ 0.50% · 4.625%
HK$202,199
+HK$10,125/mo
Deposit HK$3.99M · loan HK$35.92M · min. income ≈ HK$384,148/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,696,112 · Scale 2, in force from 26 Feb 2026)