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$90,622
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$93,441
−HK$2,864/mo
Today · 4.125%
HK$96,305
baseline
▲ 0.50% · 4.625%
HK$102,165
+HK$5,860/mo
Deposit HK$19.87M · loan HK$19.87M · min. income ≈ HK$192,610/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$1,689,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,816
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$103,520
−HK$2,743/mo
Today · 4.125%
HK$106,263
baseline
▲ 0.50% · 4.625%
HK$111,864
+HK$5,601/mo
Deposit HK$19.87M · loan HK$19.87M · min. income ≈ HK$212,526/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$1,689,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,746
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$112,129
−HK$3,437/mo
Today · 4.125%
HK$115,566
baseline
▲ 0.50% · 4.625%
HK$122,598
+HK$7,032/mo
Deposit HK$15.90M · loan HK$23.85M · min. income ≈ HK$231,132/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,689,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,979
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$124,224
−HK$3,291/mo
Today · 4.125%
HK$127,515
baseline
▲ 0.50% · 4.625%
HK$134,237
+HK$6,722/mo
Deposit HK$15.90M · loan HK$23.85M · min. income ≈ HK$255,030/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,689,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,871
−HK$7,956/mo
▼ 0.25% · 3.875%
HK$130,817
−HK$4,010/mo
Today · 4.125%
HK$134,827
baseline
▲ 0.50% · 4.625%
HK$143,031
+HK$8,204/mo
Deposit HK$11.92M · loan HK$27.82M · min. income ≈ HK$269,654/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,689,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,142
−HK$7,626/mo
▼ 0.25% · 3.875%
HK$144,928
−HK$3,840/mo
Today · 4.125%
HK$148,768
baseline
▲ 0.50% · 4.625%
HK$156,610
+HK$7,842/mo
Deposit HK$11.92M · loan HK$27.82M · min. income ≈ HK$297,536/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,689,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,120
−HK$10,229/mo
▼ 0.25% · 3.875%
HK$168,193
−HK$5,156/mo
Today · 4.125%
HK$173,349
baseline
▲ 0.50% · 4.625%
HK$183,896
+HK$10,547/mo
Deposit HK$3.97M · loan HK$35.77M · min. income ≈ HK$346,698/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,689,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,469
−HK$9,804/mo
▼ 0.25% · 3.875%
HK$186,336
−HK$4,937/mo
Today · 4.125%
HK$191,273
baseline
▲ 0.50% · 4.625%
HK$201,355
+HK$10,082/mo
Deposit HK$3.97M · loan HK$35.77M · min. income ≈ HK$382,546/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,689,036 · Scale 2, in force from 26 Feb 2026)