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$90,894
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$93,721
−HK$2,873/mo
Today · 4.125%
HK$96,594
baseline
▲ 0.50% · 4.625%
HK$102,471
+HK$5,877/mo
Deposit HK$19.93M · loan HK$19.93M · min. income ≈ HK$193,188/mo (50% DSR)
Upfront cash ≈ HK$21.62M (deposit + AVD stamp duty HK$1,694,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,118
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$103,830
−HK$2,751/mo
Today · 4.125%
HK$106,581
baseline
▲ 0.50% · 4.625%
HK$112,200
+HK$5,619/mo
Deposit HK$19.93M · loan HK$19.93M · min. income ≈ HK$213,162/mo (50% DSR)
Upfront cash ≈ HK$21.62M (deposit + AVD stamp duty HK$1,694,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,072
−HK$6,840/mo
▼ 0.25% · 3.875%
HK$112,465
−HK$3,447/mo
Today · 4.125%
HK$115,912
baseline
▲ 0.50% · 4.625%
HK$122,965
+HK$7,053/mo
Deposit HK$15.94M · loan HK$23.92M · min. income ≈ HK$231,824/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,694,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,342
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$124,596
−HK$3,302/mo
Today · 4.125%
HK$127,898
baseline
▲ 0.50% · 4.625%
HK$134,639
+HK$6,741/mo
Deposit HK$15.94M · loan HK$23.92M · min. income ≈ HK$255,796/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,694,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,251
−HK$7,980/mo
▼ 0.25% · 3.875%
HK$131,209
−HK$4,022/mo
Today · 4.125%
HK$135,231
baseline
▲ 0.50% · 4.625%
HK$143,459
+HK$8,228/mo
Deposit HK$11.96M · loan HK$27.90M · min. income ≈ HK$270,462/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,694,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,566
−HK$7,648/mo
▼ 0.25% · 3.875%
HK$145,362
−HK$3,852/mo
Today · 4.125%
HK$149,214
baseline
▲ 0.50% · 4.625%
HK$157,079
+HK$7,865/mo
Deposit HK$11.96M · loan HK$27.90M · min. income ≈ HK$298,428/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,694,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,609
−HK$10,259/mo
▼ 0.25% · 3.875%
HK$168,698
−HK$5,170/mo
Today · 4.125%
HK$173,868
baseline
▲ 0.50% · 4.625%
HK$184,448
+HK$10,580/mo
Deposit HK$3.99M · loan HK$35.88M · min. income ≈ HK$347,736/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,694,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,013
−HK$9,834/mo
▼ 0.25% · 3.875%
HK$186,895
−HK$4,952/mo
Today · 4.125%
HK$191,847
baseline
▲ 0.50% · 4.625%
HK$201,959
+HK$10,112/mo
Deposit HK$3.99M · loan HK$35.88M · min. income ≈ HK$383,694/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,694,101 · Scale 2, in force from 26 Feb 2026)