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$90,882
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$93,709
−HK$2,873/mo
Today · 4.125%
HK$96,582
baseline
▲ 0.50% · 4.625%
HK$102,458
+HK$5,876/mo
Deposit HK$19.93M · loan HK$19.93M · min. income ≈ HK$193,164/mo (50% DSR)
Upfront cash ≈ HK$21.62M (deposit + AVD stamp duty HK$1,693,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,106
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$103,817
−HK$2,751/mo
Today · 4.125%
HK$106,568
baseline
▲ 0.50% · 4.625%
HK$112,186
+HK$5,618/mo
Deposit HK$19.93M · loan HK$19.93M · min. income ≈ HK$213,136/mo (50% DSR)
Upfront cash ≈ HK$21.62M (deposit + AVD stamp duty HK$1,693,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,059
−HK$6,839/mo
▼ 0.25% · 3.875%
HK$112,451
−HK$3,447/mo
Today · 4.125%
HK$115,898
baseline
▲ 0.50% · 4.625%
HK$122,950
+HK$7,052/mo
Deposit HK$15.94M · loan HK$23.91M · min. income ≈ HK$231,796/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,693,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,327
−HK$6,555/mo
▼ 0.25% · 3.875%
HK$124,581
−HK$3,301/mo
Today · 4.125%
HK$127,882
baseline
▲ 0.50% · 4.625%
HK$134,623
+HK$6,741/mo
Deposit HK$15.94M · loan HK$23.91M · min. income ≈ HK$255,764/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,693,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,235
−HK$7,979/mo
▼ 0.25% · 3.875%
HK$131,193
−HK$4,021/mo
Today · 4.125%
HK$135,214
baseline
▲ 0.50% · 4.625%
HK$143,442
+HK$8,228/mo
Deposit HK$11.96M · loan HK$27.90M · min. income ≈ HK$270,428/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,693,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,548
−HK$7,648/mo
▼ 0.25% · 3.875%
HK$145,344
−HK$3,852/mo
Today · 4.125%
HK$149,196
baseline
▲ 0.50% · 4.625%
HK$157,060
+HK$7,864/mo
Deposit HK$11.96M · loan HK$27.90M · min. income ≈ HK$298,392/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,693,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,588
−HK$10,259/mo
▼ 0.25% · 3.875%
HK$168,677
−HK$5,170/mo
Today · 4.125%
HK$173,847
baseline
▲ 0.50% · 4.625%
HK$184,425
+HK$10,578/mo
Deposit HK$3.99M · loan HK$35.87M · min. income ≈ HK$347,694/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,693,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,990
−HK$9,833/mo
▼ 0.25% · 3.875%
HK$186,871
−HK$4,952/mo
Today · 4.125%
HK$191,823
baseline
▲ 0.50% · 4.625%
HK$201,934
+HK$10,111/mo
Deposit HK$3.99M · loan HK$35.87M · min. income ≈ HK$383,646/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,693,890 · Scale 2, in force from 26 Feb 2026)