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$90,800
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$93,624
−HK$2,869/mo
Today · 4.125%
HK$96,493
baseline
▲ 0.50% · 4.625%
HK$102,365
+HK$5,872/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$192,986/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$1,692,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,014
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$103,723
−HK$2,748/mo
Today · 4.125%
HK$106,471
baseline
▲ 0.50% · 4.625%
HK$112,083
+HK$5,612/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$212,942/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$1,692,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,959
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$112,349
−HK$3,443/mo
Today · 4.125%
HK$115,792
baseline
▲ 0.50% · 4.625%
HK$122,838
+HK$7,046/mo
Deposit HK$15.93M · loan HK$23.89M · min. income ≈ HK$231,584/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,692,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,216
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$124,467
−HK$3,298/mo
Today · 4.125%
HK$127,765
baseline
▲ 0.50% · 4.625%
HK$134,500
+HK$6,735/mo
Deposit HK$15.93M · loan HK$23.89M · min. income ≈ HK$255,530/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,692,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,119
−HK$7,972/mo
▼ 0.25% · 3.875%
HK$131,073
−HK$4,018/mo
Today · 4.125%
HK$135,091
baseline
▲ 0.50% · 4.625%
HK$143,311
+HK$8,220/mo
Deposit HK$11.95M · loan HK$27.87M · min. income ≈ HK$270,182/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,419
−HK$7,640/mo
▼ 0.25% · 3.875%
HK$145,212
−HK$3,847/mo
Today · 4.125%
HK$149,059
baseline
▲ 0.50% · 4.625%
HK$156,917
+HK$7,858/mo
Deposit HK$11.95M · loan HK$27.87M · min. income ≈ HK$298,118/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,439
−HK$10,249/mo
▼ 0.25% · 3.875%
HK$168,523
−HK$5,165/mo
Today · 4.125%
HK$173,688
baseline
▲ 0.50% · 4.625%
HK$184,257
+HK$10,569/mo
Deposit HK$3.98M · loan HK$35.84M · min. income ≈ HK$347,376/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,692,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,824
−HK$9,824/mo
▼ 0.25% · 3.875%
HK$186,701
−HK$4,947/mo
Today · 4.125%
HK$191,648
baseline
▲ 0.50% · 4.625%
HK$201,750
+HK$10,102/mo
Deposit HK$3.98M · loan HK$35.84M · min. income ≈ HK$383,296/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,692,345 · Scale 2, in force from 26 Feb 2026)