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$90,521
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$93,337
−HK$2,861/mo
Today · 4.125%
HK$96,198
baseline
▲ 0.50% · 4.625%
HK$102,051
+HK$5,853/mo
Deposit HK$19.85M · loan HK$19.85M · min. income ≈ HK$192,396/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$1,687,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,704
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$103,405
−HK$2,740/mo
Today · 4.125%
HK$106,145
baseline
▲ 0.50% · 4.625%
HK$111,740
+HK$5,595/mo
Deposit HK$19.85M · loan HK$19.85M · min. income ≈ HK$212,290/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$1,687,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,625
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$112,004
−HK$3,433/mo
Today · 4.125%
HK$115,437
baseline
▲ 0.50% · 4.625%
HK$122,461
+HK$7,024/mo
Deposit HK$15.88M · loan HK$23.82M · min. income ≈ HK$230,874/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,687,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,845
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$124,086
−HK$3,288/mo
Today · 4.125%
HK$127,374
baseline
▲ 0.50% · 4.625%
HK$134,088
+HK$6,714/mo
Deposit HK$15.88M · loan HK$23.82M · min. income ≈ HK$254,748/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,687,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,730
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$130,672
−HK$4,005/mo
Today · 4.125%
HK$134,677
baseline
▲ 0.50% · 4.625%
HK$142,872
+HK$8,195/mo
Deposit HK$11.91M · loan HK$27.79M · min. income ≈ HK$269,354/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,687,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,986
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$144,767
−HK$3,836/mo
Today · 4.125%
HK$148,603
baseline
▲ 0.50% · 4.625%
HK$156,436
+HK$7,833/mo
Deposit HK$11.91M · loan HK$27.79M · min. income ≈ HK$297,206/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,687,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,938
−HK$10,218/mo
▼ 0.25% · 3.875%
HK$168,007
−HK$5,149/mo
Today · 4.125%
HK$173,156
baseline
▲ 0.50% · 4.625%
HK$183,692
+HK$10,536/mo
Deposit HK$3.97M · loan HK$35.73M · min. income ≈ HK$346,312/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,687,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,267
−HK$9,793/mo
▼ 0.25% · 3.875%
HK$186,129
−HK$4,931/mo
Today · 4.125%
HK$191,060
baseline
▲ 0.50% · 4.625%
HK$201,131
+HK$10,071/mo
Deposit HK$3.97M · loan HK$35.73M · min. income ≈ HK$382,120/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,687,158 · Scale 2, in force from 26 Feb 2026)