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$91,010
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$93,841
−HK$2,876/mo
Today · 4.125%
HK$96,717
baseline
▲ 0.50% · 4.625%
HK$102,602
+HK$5,885/mo
Deposit HK$19.96M · loan HK$19.96M · min. income ≈ HK$193,434/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$1,696,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,247
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$103,963
−HK$2,754/mo
Today · 4.125%
HK$106,717
baseline
▲ 0.50% · 4.625%
HK$112,343
+HK$5,626/mo
Deposit HK$19.96M · loan HK$19.96M · min. income ≈ HK$213,434/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$1,696,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,212
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$112,609
−HK$3,451/mo
Today · 4.125%
HK$116,060
baseline
▲ 0.50% · 4.625%
HK$123,122
+HK$7,062/mo
Deposit HK$15.96M · loan HK$23.95M · min. income ≈ HK$232,120/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,696,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,497
−HK$6,564/mo
▼ 0.25% · 3.875%
HK$124,755
−HK$3,306/mo
Today · 4.125%
HK$128,061
baseline
▲ 0.50% · 4.625%
HK$134,811
+HK$6,750/mo
Deposit HK$15.96M · loan HK$23.95M · min. income ≈ HK$256,122/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,696,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,414
−HK$7,989/mo
▼ 0.25% · 3.875%
HK$131,377
−HK$4,026/mo
Today · 4.125%
HK$135,403
baseline
▲ 0.50% · 4.625%
HK$143,642
+HK$8,239/mo
Deposit HK$11.97M · loan HK$27.94M · min. income ≈ HK$270,806/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,696,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,746
−HK$7,658/mo
▼ 0.25% · 3.875%
HK$145,548
−HK$3,856/mo
Today · 4.125%
HK$149,404
baseline
▲ 0.50% · 4.625%
HK$157,280
+HK$7,876/mo
Deposit HK$11.97M · loan HK$27.94M · min. income ≈ HK$298,808/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,696,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,817
−HK$10,273/mo
▼ 0.25% · 3.875%
HK$168,913
−HK$5,177/mo
Today · 4.125%
HK$174,090
baseline
▲ 0.50% · 4.625%
HK$184,683
+HK$10,593/mo
Deposit HK$3.99M · loan HK$35.92M · min. income ≈ HK$348,180/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,696,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,245
−HK$9,846/mo
▼ 0.25% · 3.875%
HK$187,133
−HK$4,958/mo
Today · 4.125%
HK$192,091
baseline
▲ 0.50% · 4.625%
HK$202,217
+HK$10,126/mo
Deposit HK$3.99M · loan HK$35.92M · min. income ≈ HK$384,182/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,696,262 · Scale 2, in force from 26 Feb 2026)