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$90,938
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$93,767
−HK$2,874/mo
Today · 4.125%
HK$96,641
baseline
▲ 0.50% · 4.625%
HK$102,521
+HK$5,880/mo
Deposit HK$19.94M · loan HK$19.94M · min. income ≈ HK$193,282/mo (50% DSR)
Upfront cash ≈ HK$21.64M (deposit + AVD stamp duty HK$1,694,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,168
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$103,881
−HK$2,752/mo
Today · 4.125%
HK$106,633
baseline
▲ 0.50% · 4.625%
HK$112,254
+HK$5,621/mo
Deposit HK$19.94M · loan HK$19.94M · min. income ≈ HK$213,266/mo (50% DSR)
Upfront cash ≈ HK$21.64M (deposit + AVD stamp duty HK$1,694,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,126
−HK$6,843/mo
▼ 0.25% · 3.875%
HK$112,520
−HK$3,449/mo
Today · 4.125%
HK$115,969
baseline
▲ 0.50% · 4.625%
HK$123,025
+HK$7,056/mo
Deposit HK$15.95M · loan HK$23.93M · min. income ≈ HK$231,938/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,694,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,401
−HK$6,559/mo
▼ 0.25% · 3.875%
HK$124,657
−HK$3,303/mo
Today · 4.125%
HK$127,960
baseline
▲ 0.50% · 4.625%
HK$134,705
+HK$6,745/mo
Deposit HK$15.95M · loan HK$23.93M · min. income ≈ HK$255,920/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,694,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,313
−HK$7,984/mo
▼ 0.25% · 3.875%
HK$131,273
−HK$4,024/mo
Today · 4.125%
HK$135,297
baseline
▲ 0.50% · 4.625%
HK$143,529
+HK$8,232/mo
Deposit HK$11.96M · loan HK$27.92M · min. income ≈ HK$270,594/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,694,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,635
−HK$7,652/mo
▼ 0.25% · 3.875%
HK$145,433
−HK$3,854/mo
Today · 4.125%
HK$149,287
baseline
▲ 0.50% · 4.625%
HK$157,156
+HK$7,869/mo
Deposit HK$11.96M · loan HK$27.92M · min. income ≈ HK$298,574/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,694,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,688
−HK$10,265/mo
▼ 0.25% · 3.875%
HK$168,780
−HK$5,173/mo
Today · 4.125%
HK$173,953
baseline
▲ 0.50% · 4.625%
HK$184,538
+HK$10,585/mo
Deposit HK$3.99M · loan HK$35.89M · min. income ≈ HK$347,906/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,694,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,102
−HK$9,838/mo
▼ 0.25% · 3.875%
HK$186,986
−HK$4,954/mo
Today · 4.125%
HK$191,940
baseline
▲ 0.50% · 4.625%
HK$202,058
+HK$10,118/mo
Deposit HK$3.99M · loan HK$35.89M · min. income ≈ HK$383,880/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,694,926 · Scale 2, in force from 26 Feb 2026)