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$90,312
−HK$5,663/mo
▼ 0.25% · 3.875%
HK$93,121
−HK$2,854/mo
Today · 4.125%
HK$95,975
baseline
▲ 0.50% · 4.625%
HK$101,815
+HK$5,840/mo
Deposit HK$19.80M · loan HK$19.80M · min. income ≈ HK$191,950/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,471
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$103,166
−HK$2,733/mo
Today · 4.125%
HK$105,899
baseline
▲ 0.50% · 4.625%
HK$111,481
+HK$5,582/mo
Deposit HK$19.80M · loan HK$19.80M · min. income ≈ HK$211,798/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,374
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$111,745
−HK$3,425/mo
Today · 4.125%
HK$115,170
baseline
▲ 0.50% · 4.625%
HK$122,178
+HK$7,008/mo
Deposit HK$15.84M · loan HK$23.76M · min. income ≈ HK$230,340/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,565
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$123,799
−HK$3,280/mo
Today · 4.125%
HK$127,079
baseline
▲ 0.50% · 4.625%
HK$133,777
+HK$6,698/mo
Deposit HK$15.84M · loan HK$23.76M · min. income ≈ HK$254,158/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,437
−HK$7,928/mo
▼ 0.25% · 3.875%
HK$130,369
−HK$3,996/mo
Today · 4.125%
HK$134,365
baseline
▲ 0.50% · 4.625%
HK$142,541
+HK$8,176/mo
Deposit HK$11.88M · loan HK$27.72M · min. income ≈ HK$268,730/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,683,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,659
−HK$7,600/mo
▼ 0.25% · 3.875%
HK$144,432
−HK$3,827/mo
Today · 4.125%
HK$148,259
baseline
▲ 0.50% · 4.625%
HK$156,074
+HK$7,815/mo
Deposit HK$11.88M · loan HK$27.72M · min. income ≈ HK$296,518/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,683,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,561
−HK$10,194/mo
▼ 0.25% · 3.875%
HK$167,618
−HK$5,137/mo
Today · 4.125%
HK$172,755
baseline
▲ 0.50% · 4.625%
HK$183,267
+HK$10,512/mo
Deposit HK$3.96M · loan HK$35.65M · min. income ≈ HK$345,510/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,683,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,848
−HK$9,770/mo
▼ 0.25% · 3.875%
HK$185,698
−HK$4,920/mo
Today · 4.125%
HK$190,618
baseline
▲ 0.50% · 4.625%
HK$200,666
+HK$10,048/mo
Deposit HK$3.96M · loan HK$35.65M · min. income ≈ HK$381,236/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,683,255 · Scale 2, in force from 26 Feb 2026)