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$90,838
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$93,663
−HK$2,871/mo
Today · 4.125%
HK$96,534
baseline
▲ 0.50% · 4.625%
HK$102,408
+HK$5,874/mo
Deposit HK$19.92M · loan HK$19.92M · min. income ≈ HK$193,068/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$1,693,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,056
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,766
−HK$2,750/mo
Today · 4.125%
HK$106,516
baseline
▲ 0.50% · 4.625%
HK$112,130
+HK$5,614/mo
Deposit HK$19.92M · loan HK$19.92M · min. income ≈ HK$213,032/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$1,693,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,005
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$112,396
−HK$3,445/mo
Today · 4.125%
HK$115,841
baseline
▲ 0.50% · 4.625%
HK$122,890
+HK$7,049/mo
Deposit HK$15.93M · loan HK$23.90M · min. income ≈ HK$231,682/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,693,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,267
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$124,520
−HK$3,299/mo
Today · 4.125%
HK$127,819
baseline
▲ 0.50% · 4.625%
HK$134,557
+HK$6,738/mo
Deposit HK$15.93M · loan HK$23.90M · min. income ≈ HK$255,638/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,693,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,173
−HK$7,975/mo
▼ 0.25% · 3.875%
HK$131,129
−HK$4,019/mo
Today · 4.125%
HK$135,148
baseline
▲ 0.50% · 4.625%
HK$143,371
+HK$8,223/mo
Deposit HK$11.95M · loan HK$27.89M · min. income ≈ HK$270,296/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,693,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,479
−HK$7,643/mo
▼ 0.25% · 3.875%
HK$145,273
−HK$3,849/mo
Today · 4.125%
HK$149,122
baseline
▲ 0.50% · 4.625%
HK$156,983
+HK$7,861/mo
Deposit HK$11.95M · loan HK$27.89M · min. income ≈ HK$298,244/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,693,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,508
−HK$10,253/mo
▼ 0.25% · 3.875%
HK$168,594
−HK$5,167/mo
Today · 4.125%
HK$173,761
baseline
▲ 0.50% · 4.625%
HK$184,334
+HK$10,573/mo
Deposit HK$3.98M · loan HK$35.85M · min. income ≈ HK$347,522/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,693,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,901
−HK$9,828/mo
▼ 0.25% · 3.875%
HK$186,780
−HK$4,949/mo
Today · 4.125%
HK$191,729
baseline
▲ 0.50% · 4.625%
HK$201,835
+HK$10,106/mo
Deposit HK$3.98M · loan HK$35.85M · min. income ≈ HK$383,458/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,693,058 · Scale 2, in force from 26 Feb 2026)