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$90,518
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$93,333
−HK$2,861/mo
Today · 4.125%
HK$96,194
baseline
▲ 0.50% · 4.625%
HK$102,047
+HK$5,853/mo
Deposit HK$19.85M · loan HK$19.85M · min. income ≈ HK$192,388/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$1,687,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,700
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$103,401
−HK$2,739/mo
Today · 4.125%
HK$106,140
baseline
▲ 0.50% · 4.625%
HK$111,735
+HK$5,595/mo
Deposit HK$19.85M · loan HK$19.85M · min. income ≈ HK$212,280/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$1,687,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,621
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$112,000
−HK$3,433/mo
Today · 4.125%
HK$115,433
baseline
▲ 0.50% · 4.625%
HK$122,456
+HK$7,023/mo
Deposit HK$15.88M · loan HK$23.82M · min. income ≈ HK$230,866/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,687,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,840
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$124,081
−HK$3,287/mo
Today · 4.125%
HK$127,368
baseline
▲ 0.50% · 4.625%
HK$134,082
+HK$6,714/mo
Deposit HK$15.88M · loan HK$23.82M · min. income ≈ HK$254,736/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,687,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,725
−HK$7,946/mo
▼ 0.25% · 3.875%
HK$130,666
−HK$4,005/mo
Today · 4.125%
HK$134,671
baseline
▲ 0.50% · 4.625%
HK$142,866
+HK$8,195/mo
Deposit HK$11.91M · loan HK$27.79M · min. income ≈ HK$269,342/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,687,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,980
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$144,761
−HK$3,836/mo
Today · 4.125%
HK$148,597
baseline
▲ 0.50% · 4.625%
HK$156,429
+HK$7,832/mo
Deposit HK$11.91M · loan HK$27.79M · min. income ≈ HK$297,194/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,687,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,932
−HK$10,217/mo
▼ 0.25% · 3.875%
HK$168,000
−HK$5,149/mo
Today · 4.125%
HK$173,149
baseline
▲ 0.50% · 4.625%
HK$183,685
+HK$10,536/mo
Deposit HK$3.97M · loan HK$35.73M · min. income ≈ HK$346,298/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,687,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,260
−HK$9,793/mo
▼ 0.25% · 3.875%
HK$186,121
−HK$4,932/mo
Today · 4.125%
HK$191,053
baseline
▲ 0.50% · 4.625%
HK$201,123
+HK$10,070/mo
Deposit HK$3.97M · loan HK$35.73M · min. income ≈ HK$382,106/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,687,090 · Scale 2, in force from 26 Feb 2026)