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$90,798
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$93,623
−HK$2,869/mo
Today · 4.125%
HK$96,492
baseline
▲ 0.50% · 4.625%
HK$102,364
+HK$5,872/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$192,984/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$1,692,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,012
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$103,722
−HK$2,748/mo
Today · 4.125%
HK$106,470
baseline
▲ 0.50% · 4.625%
HK$112,082
+HK$5,612/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$212,940/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$1,692,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,958
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$112,347
−HK$3,444/mo
Today · 4.125%
HK$115,791
baseline
▲ 0.50% · 4.625%
HK$122,836
+HK$7,045/mo
Deposit HK$15.93M · loan HK$23.89M · min. income ≈ HK$231,582/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,692,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,215
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$124,466
−HK$3,298/mo
Today · 4.125%
HK$127,764
baseline
▲ 0.50% · 4.625%
HK$134,498
+HK$6,734/mo
Deposit HK$15.93M · loan HK$23.89M · min. income ≈ HK$255,528/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,692,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,118
−HK$7,971/mo
▼ 0.25% · 3.875%
HK$131,072
−HK$4,017/mo
Today · 4.125%
HK$135,089
baseline
▲ 0.50% · 4.625%
HK$143,309
+HK$8,220/mo
Deposit HK$11.95M · loan HK$27.87M · min. income ≈ HK$270,178/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,417
−HK$7,641/mo
▼ 0.25% · 3.875%
HK$145,210
−HK$3,848/mo
Today · 4.125%
HK$149,058
baseline
▲ 0.50% · 4.625%
HK$156,915
+HK$7,857/mo
Deposit HK$11.95M · loan HK$27.87M · min. income ≈ HK$298,116/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,437
−HK$10,249/mo
▼ 0.25% · 3.875%
HK$168,521
−HK$5,165/mo
Today · 4.125%
HK$173,686
baseline
▲ 0.50% · 4.625%
HK$184,255
+HK$10,569/mo
Deposit HK$3.98M · loan HK$35.84M · min. income ≈ HK$347,372/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,692,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,822
−HK$9,824/mo
▼ 0.25% · 3.875%
HK$186,699
−HK$4,947/mo
Today · 4.125%
HK$191,646
baseline
▲ 0.50% · 4.625%
HK$201,748
+HK$10,102/mo
Deposit HK$3.98M · loan HK$35.84M · min. income ≈ HK$383,292/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,692,326 · Scale 2, in force from 26 Feb 2026)