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$90,722
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$93,544
−HK$2,867/mo
Today · 4.125%
HK$96,411
baseline
▲ 0.50% · 4.625%
HK$102,278
+HK$5,867/mo
Deposit HK$19.89M · loan HK$19.89M · min. income ≈ HK$192,822/mo (50% DSR)
Upfront cash ≈ HK$21.58M (deposit + AVD stamp duty HK$1,690,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,928
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$103,635
−HK$2,745/mo
Today · 4.125%
HK$106,380
baseline
▲ 0.50% · 4.625%
HK$111,988
+HK$5,608/mo
Deposit HK$19.89M · loan HK$19.89M · min. income ≈ HK$212,760/mo (50% DSR)
Upfront cash ≈ HK$21.58M (deposit + AVD stamp duty HK$1,690,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,867
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$112,253
−HK$3,441/mo
Today · 4.125%
HK$115,694
baseline
▲ 0.50% · 4.625%
HK$122,733
+HK$7,039/mo
Deposit HK$15.91M · loan HK$23.87M · min. income ≈ HK$231,388/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,690,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,113
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$124,361
−HK$3,296/mo
Today · 4.125%
HK$127,657
baseline
▲ 0.50% · 4.625%
HK$134,386
+HK$6,729/mo
Deposit HK$15.91M · loan HK$23.87M · min. income ≈ HK$255,314/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,690,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,011
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$130,962
−HK$4,014/mo
Today · 4.125%
HK$134,976
baseline
▲ 0.50% · 4.625%
HK$143,189
+HK$8,213/mo
Deposit HK$11.94M · loan HK$27.85M · min. income ≈ HK$269,952/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,690,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,299
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$145,088
−HK$3,845/mo
Today · 4.125%
HK$148,933
baseline
▲ 0.50% · 4.625%
HK$156,783
+HK$7,850/mo
Deposit HK$11.94M · loan HK$27.85M · min. income ≈ HK$297,866/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,690,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,300
−HK$10,241/mo
▼ 0.25% · 3.875%
HK$168,380
−HK$5,161/mo
Today · 4.125%
HK$173,541
baseline
▲ 0.50% · 4.625%
HK$184,100
+HK$10,559/mo
Deposit HK$3.98M · loan HK$35.81M · min. income ≈ HK$347,082/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,690,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,670
−HK$9,815/mo
▼ 0.25% · 3.875%
HK$186,542
−HK$4,943/mo
Today · 4.125%
HK$191,485
baseline
▲ 0.50% · 4.625%
HK$201,578
+HK$10,093/mo
Deposit HK$3.98M · loan HK$35.81M · min. income ≈ HK$382,970/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,690,906 · Scale 2, in force from 26 Feb 2026)