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$91,027
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$93,858
−HK$2,877/mo
Today · 4.125%
HK$96,735
baseline
▲ 0.50% · 4.625%
HK$102,621
+HK$5,886/mo
Deposit HK$19.96M · loan HK$19.96M · min. income ≈ HK$193,470/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$1,696,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,266
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$103,982
−HK$2,755/mo
Today · 4.125%
HK$106,737
baseline
▲ 0.50% · 4.625%
HK$112,364
+HK$5,627/mo
Deposit HK$19.96M · loan HK$19.96M · min. income ≈ HK$213,474/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$1,696,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,232
−HK$6,850/mo
▼ 0.25% · 3.875%
HK$112,630
−HK$3,452/mo
Today · 4.125%
HK$116,082
baseline
▲ 0.50% · 4.625%
HK$123,145
+HK$7,063/mo
Deposit HK$15.97M · loan HK$23.95M · min. income ≈ HK$232,164/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,696,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,519
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$124,778
−HK$3,307/mo
Today · 4.125%
HK$128,085
baseline
▲ 0.50% · 4.625%
HK$134,836
+HK$6,751/mo
Deposit HK$15.97M · loan HK$23.95M · min. income ≈ HK$256,170/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,696,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,437
−HK$7,992/mo
▼ 0.25% · 3.875%
HK$131,401
−HK$4,028/mo
Today · 4.125%
HK$135,429
baseline
▲ 0.50% · 4.625%
HK$143,669
+HK$8,240/mo
Deposit HK$11.98M · loan HK$27.94M · min. income ≈ HK$270,858/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,696,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,773
−HK$7,659/mo
▼ 0.25% · 3.875%
HK$145,575
−HK$3,857/mo
Today · 4.125%
HK$149,432
baseline
▲ 0.50% · 4.625%
HK$157,309
+HK$7,877/mo
Deposit HK$11.98M · loan HK$27.94M · min. income ≈ HK$298,864/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,696,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,848
−HK$10,275/mo
▼ 0.25% · 3.875%
HK$168,944
−HK$5,179/mo
Today · 4.125%
HK$174,123
baseline
▲ 0.50% · 4.625%
HK$184,718
+HK$10,595/mo
Deposit HK$3.99M · loan HK$35.93M · min. income ≈ HK$348,246/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,696,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,279
−HK$9,848/mo
▼ 0.25% · 3.875%
HK$187,168
−HK$4,959/mo
Today · 4.125%
HK$192,127
baseline
▲ 0.50% · 4.625%
HK$202,254
+HK$10,127/mo
Deposit HK$3.99M · loan HK$35.93M · min. income ≈ HK$384,254/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,696,577 · Scale 2, in force from 26 Feb 2026)