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$91,014
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$93,845
−HK$2,877/mo
Today · 4.125%
HK$96,722
baseline
▲ 0.50% · 4.625%
HK$102,607
+HK$5,885/mo
Deposit HK$19.96M · loan HK$19.96M · min. income ≈ HK$193,444/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$1,696,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,252
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$103,968
−HK$2,755/mo
Today · 4.125%
HK$106,723
baseline
▲ 0.50% · 4.625%
HK$112,348
+HK$5,625/mo
Deposit HK$19.96M · loan HK$19.96M · min. income ≈ HK$213,446/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$1,696,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,217
−HK$6,849/mo
▼ 0.25% · 3.875%
HK$112,614
−HK$3,452/mo
Today · 4.125%
HK$116,066
baseline
▲ 0.50% · 4.625%
HK$123,128
+HK$7,062/mo
Deposit HK$15.97M · loan HK$23.95M · min. income ≈ HK$232,132/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,696,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,503
−HK$6,564/mo
▼ 0.25% · 3.875%
HK$124,762
−HK$3,305/mo
Today · 4.125%
HK$128,067
baseline
▲ 0.50% · 4.625%
HK$134,818
+HK$6,751/mo
Deposit HK$15.97M · loan HK$23.95M · min. income ≈ HK$256,134/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,696,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,420
−HK$7,990/mo
▼ 0.25% · 3.875%
HK$131,383
−HK$4,027/mo
Today · 4.125%
HK$135,410
baseline
▲ 0.50% · 4.625%
HK$143,650
+HK$8,240/mo
Deposit HK$11.97M · loan HK$27.94M · min. income ≈ HK$270,820/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,696,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,753
−HK$7,659/mo
▼ 0.25% · 3.875%
HK$145,555
−HK$3,857/mo
Today · 4.125%
HK$149,412
baseline
▲ 0.50% · 4.625%
HK$157,288
+HK$7,876/mo
Deposit HK$11.97M · loan HK$27.94M · min. income ≈ HK$298,824/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,696,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,826
−HK$10,273/mo
▼ 0.25% · 3.875%
HK$168,922
−HK$5,177/mo
Today · 4.125%
HK$174,099
baseline
▲ 0.50% · 4.625%
HK$184,692
+HK$10,593/mo
Deposit HK$3.99M · loan HK$35.92M · min. income ≈ HK$348,198/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,696,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,254
−HK$9,847/mo
▼ 0.25% · 3.875%
HK$187,142
−HK$4,959/mo
Today · 4.125%
HK$192,101
baseline
▲ 0.50% · 4.625%
HK$202,227
+HK$10,126/mo
Deposit HK$3.99M · loan HK$35.92M · min. income ≈ HK$384,202/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,696,347 · Scale 2, in force from 26 Feb 2026)