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$91,032
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$93,863
−HK$2,877/mo
Today · 4.125%
HK$96,740
baseline
▲ 0.50% · 4.625%
HK$102,626
+HK$5,886/mo
Deposit HK$19.96M · loan HK$19.96M · min. income ≈ HK$193,480/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$1,696,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,272
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$103,988
−HK$2,755/mo
Today · 4.125%
HK$106,743
baseline
▲ 0.50% · 4.625%
HK$112,370
+HK$5,627/mo
Deposit HK$19.96M · loan HK$19.96M · min. income ≈ HK$213,486/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$1,696,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,238
−HK$6,850/mo
▼ 0.25% · 3.875%
HK$112,636
−HK$3,452/mo
Today · 4.125%
HK$116,088
baseline
▲ 0.50% · 4.625%
HK$123,152
+HK$7,064/mo
Deposit HK$15.97M · loan HK$23.95M · min. income ≈ HK$232,176/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,696,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,526
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$124,785
−HK$3,307/mo
Today · 4.125%
HK$128,092
baseline
▲ 0.50% · 4.625%
HK$134,844
+HK$6,752/mo
Deposit HK$15.97M · loan HK$23.95M · min. income ≈ HK$256,184/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,696,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,444
−HK$7,992/mo
▼ 0.25% · 3.875%
HK$131,408
−HK$4,028/mo
Today · 4.125%
HK$135,436
baseline
▲ 0.50% · 4.625%
HK$143,677
+HK$8,241/mo
Deposit HK$11.98M · loan HK$27.95M · min. income ≈ HK$270,872/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,696,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,780
−HK$7,660/mo
▼ 0.25% · 3.875%
HK$145,583
−HK$3,857/mo
Today · 4.125%
HK$149,440
baseline
▲ 0.50% · 4.625%
HK$157,317
+HK$7,877/mo
Deposit HK$11.98M · loan HK$27.95M · min. income ≈ HK$298,880/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,696,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,857
−HK$10,275/mo
▼ 0.25% · 3.875%
HK$168,954
−HK$5,178/mo
Today · 4.125%
HK$174,132
baseline
▲ 0.50% · 4.625%
HK$184,727
+HK$10,595/mo
Deposit HK$3.99M · loan HK$35.93M · min. income ≈ HK$348,264/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,696,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,289
−HK$9,848/mo
▼ 0.25% · 3.875%
HK$187,178
−HK$4,959/mo
Today · 4.125%
HK$192,137
baseline
▲ 0.50% · 4.625%
HK$202,265
+HK$10,128/mo
Deposit HK$3.99M · loan HK$35.93M · min. income ≈ HK$384,274/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,696,669 · Scale 2, in force from 26 Feb 2026)