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$90,794
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$93,618
−HK$2,869/mo
Today · 4.125%
HK$96,487
baseline
▲ 0.50% · 4.625%
HK$102,359
+HK$5,872/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$192,974/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$1,692,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,007
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$103,716
−HK$2,748/mo
Today · 4.125%
HK$106,464
baseline
▲ 0.50% · 4.625%
HK$112,076
+HK$5,612/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$212,928/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$1,692,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,953
−HK$6,832/mo
▼ 0.25% · 3.875%
HK$112,342
−HK$3,443/mo
Today · 4.125%
HK$115,785
baseline
▲ 0.50% · 4.625%
HK$122,830
+HK$7,045/mo
Deposit HK$15.93M · loan HK$23.89M · min. income ≈ HK$231,570/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,692,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,209
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$124,460
−HK$3,297/mo
Today · 4.125%
HK$127,757
baseline
▲ 0.50% · 4.625%
HK$134,492
+HK$6,735/mo
Deposit HK$15.93M · loan HK$23.89M · min. income ≈ HK$255,514/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,692,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,111
−HK$7,971/mo
▼ 0.25% · 3.875%
HK$131,065
−HK$4,017/mo
Today · 4.125%
HK$135,082
baseline
▲ 0.50% · 4.625%
HK$143,302
+HK$8,220/mo
Deposit HK$11.95M · loan HK$27.87M · min. income ≈ HK$270,164/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,410
−HK$7,640/mo
▼ 0.25% · 3.875%
HK$145,203
−HK$3,847/mo
Today · 4.125%
HK$149,050
baseline
▲ 0.50% · 4.625%
HK$156,907
+HK$7,857/mo
Deposit HK$11.95M · loan HK$27.87M · min. income ≈ HK$298,100/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,429
−HK$10,248/mo
▼ 0.25% · 3.875%
HK$168,513
−HK$5,164/mo
Today · 4.125%
HK$173,677
baseline
▲ 0.50% · 4.625%
HK$184,245
+HK$10,568/mo
Deposit HK$3.98M · loan HK$35.84M · min. income ≈ HK$347,354/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,692,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,813
−HK$9,823/mo
▼ 0.25% · 3.875%
HK$186,689
−HK$4,947/mo
Today · 4.125%
HK$191,636
baseline
▲ 0.50% · 4.625%
HK$201,737
+HK$10,101/mo
Deposit HK$3.98M · loan HK$35.84M · min. income ≈ HK$383,272/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,692,241 · Scale 2, in force from 26 Feb 2026)