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$90,772
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$93,596
−HK$2,868/mo
Today · 4.125%
HK$96,464
baseline
▲ 0.50% · 4.625%
HK$102,334
+HK$5,870/mo
Deposit HK$19.90M · loan HK$19.90M · min. income ≈ HK$192,928/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$1,691,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,983
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$103,691
−HK$2,748/mo
Today · 4.125%
HK$106,439
baseline
▲ 0.50% · 4.625%
HK$112,049
+HK$5,610/mo
Deposit HK$19.90M · loan HK$19.90M · min. income ≈ HK$212,878/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$1,691,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,926
−HK$6,831/mo
▼ 0.25% · 3.875%
HK$112,315
−HK$3,442/mo
Today · 4.125%
HK$115,757
baseline
▲ 0.50% · 4.625%
HK$122,801
+HK$7,044/mo
Deposit HK$15.92M · loan HK$23.88M · min. income ≈ HK$231,514/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,691,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,180
−HK$6,547/mo
▼ 0.25% · 3.875%
HK$124,430
−HK$3,297/mo
Today · 4.125%
HK$127,727
baseline
▲ 0.50% · 4.625%
HK$134,459
+HK$6,732/mo
Deposit HK$15.92M · loan HK$23.88M · min. income ≈ HK$255,454/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,691,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,081
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$131,034
−HK$4,016/mo
Today · 4.125%
HK$135,050
baseline
▲ 0.50% · 4.625%
HK$143,267
+HK$8,217/mo
Deposit HK$11.94M · loan HK$27.87M · min. income ≈ HK$270,100/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,691,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,376
−HK$7,638/mo
▼ 0.25% · 3.875%
HK$145,168
−HK$3,846/mo
Today · 4.125%
HK$149,014
baseline
▲ 0.50% · 4.625%
HK$156,869
+HK$7,855/mo
Deposit HK$11.94M · loan HK$27.87M · min. income ≈ HK$298,028/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,691,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,390
−HK$10,246/mo
▼ 0.25% · 3.875%
HK$168,472
−HK$5,164/mo
Today · 4.125%
HK$173,636
baseline
▲ 0.50% · 4.625%
HK$184,201
+HK$10,565/mo
Deposit HK$3.98M · loan HK$35.83M · min. income ≈ HK$347,272/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,691,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,769
−HK$9,821/mo
▼ 0.25% · 3.875%
HK$186,644
−HK$4,946/mo
Today · 4.125%
HK$191,590
baseline
▲ 0.50% · 4.625%
HK$201,689
+HK$10,099/mo
Deposit HK$3.98M · loan HK$35.83M · min. income ≈ HK$383,180/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,691,833 · Scale 2, in force from 26 Feb 2026)