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$90,831
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$93,656
−HK$2,871/mo
Today · 4.125%
HK$96,527
baseline
▲ 0.50% · 4.625%
HK$102,400
+HK$5,873/mo
Deposit HK$19.92M · loan HK$19.92M · min. income ≈ HK$193,054/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$1,692,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,048
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$103,758
−HK$2,749/mo
Today · 4.125%
HK$106,507
baseline
▲ 0.50% · 4.625%
HK$112,122
+HK$5,615/mo
Deposit HK$19.92M · loan HK$19.92M · min. income ≈ HK$213,014/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$1,692,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,997
−HK$6,835/mo
▼ 0.25% · 3.875%
HK$112,387
−HK$3,445/mo
Today · 4.125%
HK$115,832
baseline
▲ 0.50% · 4.625%
HK$122,880
+HK$7,048/mo
Deposit HK$15.93M · loan HK$23.90M · min. income ≈ HK$231,664/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,692,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,258
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$124,510
−HK$3,299/mo
Today · 4.125%
HK$127,809
baseline
▲ 0.50% · 4.625%
HK$134,546
+HK$6,737/mo
Deposit HK$15.93M · loan HK$23.90M · min. income ≈ HK$255,618/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,692,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,163
−HK$7,974/mo
▼ 0.25% · 3.875%
HK$131,118
−HK$4,019/mo
Today · 4.125%
HK$135,137
baseline
▲ 0.50% · 4.625%
HK$143,360
+HK$8,223/mo
Deposit HK$11.95M · loan HK$27.88M · min. income ≈ HK$270,274/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,467
−HK$7,643/mo
▼ 0.25% · 3.875%
HK$145,262
−HK$3,848/mo
Today · 4.125%
HK$149,110
baseline
▲ 0.50% · 4.625%
HK$156,970
+HK$7,860/mo
Deposit HK$11.95M · loan HK$27.88M · min. income ≈ HK$298,220/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,495
−HK$10,253/mo
▼ 0.25% · 3.875%
HK$168,581
−HK$5,167/mo
Today · 4.125%
HK$173,748
baseline
▲ 0.50% · 4.625%
HK$184,320
+HK$10,572/mo
Deposit HK$3.98M · loan HK$35.85M · min. income ≈ HK$347,496/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,692,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,887
−HK$9,826/mo
▼ 0.25% · 3.875%
HK$186,765
−HK$4,948/mo
Today · 4.125%
HK$191,713
baseline
▲ 0.50% · 4.625%
HK$201,819
+HK$10,106/mo
Deposit HK$3.98M · loan HK$35.85M · min. income ≈ HK$383,426/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,692,925 · Scale 2, in force from 26 Feb 2026)