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$91,055
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$93,887
−HK$2,878/mo
Today · 4.125%
HK$96,765
baseline
▲ 0.50% · 4.625%
HK$102,653
+HK$5,888/mo
Deposit HK$19.97M · loan HK$19.97M · min. income ≈ HK$193,530/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$1,697,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,298
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$104,015
−HK$2,756/mo
Today · 4.125%
HK$106,771
baseline
▲ 0.50% · 4.625%
HK$112,399
+HK$5,628/mo
Deposit HK$19.97M · loan HK$19.97M · min. income ≈ HK$213,542/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$1,697,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,266
−HK$6,852/mo
▼ 0.25% · 3.875%
HK$112,665
−HK$3,453/mo
Today · 4.125%
HK$116,118
baseline
▲ 0.50% · 4.625%
HK$123,184
+HK$7,066/mo
Deposit HK$15.97M · loan HK$23.96M · min. income ≈ HK$232,236/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,697,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,557
−HK$6,568/mo
▼ 0.25% · 3.875%
HK$124,818
−HK$3,307/mo
Today · 4.125%
HK$128,125
baseline
▲ 0.50% · 4.625%
HK$134,878
+HK$6,753/mo
Deposit HK$15.97M · loan HK$23.96M · min. income ≈ HK$256,250/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,697,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,477
−HK$7,994/mo
▼ 0.25% · 3.875%
HK$131,442
−HK$4,029/mo
Today · 4.125%
HK$135,471
baseline
▲ 0.50% · 4.625%
HK$143,714
+HK$8,243/mo
Deposit HK$11.98M · loan HK$27.95M · min. income ≈ HK$270,942/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,697,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,817
−HK$7,662/mo
▼ 0.25% · 3.875%
HK$145,620
−HK$3,859/mo
Today · 4.125%
HK$149,479
baseline
▲ 0.50% · 4.625%
HK$157,358
+HK$7,879/mo
Deposit HK$11.98M · loan HK$27.95M · min. income ≈ HK$298,958/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,697,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,899
−HK$10,278/mo
▼ 0.25% · 3.875%
HK$168,997
−HK$5,180/mo
Today · 4.125%
HK$174,177
baseline
▲ 0.50% · 4.625%
HK$184,775
+HK$10,598/mo
Deposit HK$3.99M · loan HK$35.94M · min. income ≈ HK$348,354/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,697,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,336
−HK$9,851/mo
▼ 0.25% · 3.875%
HK$187,226
−HK$4,961/mo
Today · 4.125%
HK$192,187
baseline
▲ 0.50% · 4.625%
HK$202,318
+HK$10,131/mo
Deposit HK$3.99M · loan HK$35.94M · min. income ≈ HK$384,374/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,697,108 · Scale 2, in force from 26 Feb 2026)