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$91,054
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$93,887
−HK$2,877/mo
Today · 4.125%
HK$96,764
baseline
▲ 0.50% · 4.625%
HK$102,652
+HK$5,888/mo
Deposit HK$19.97M · loan HK$19.97M · min. income ≈ HK$193,528/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$1,697,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,297
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$104,014
−HK$2,756/mo
Today · 4.125%
HK$106,770
baseline
▲ 0.50% · 4.625%
HK$112,398
+HK$5,628/mo
Deposit HK$19.97M · loan HK$19.97M · min. income ≈ HK$213,540/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$1,697,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,265
−HK$6,852/mo
▼ 0.25% · 3.875%
HK$112,664
−HK$3,453/mo
Today · 4.125%
HK$116,117
baseline
▲ 0.50% · 4.625%
HK$123,182
+HK$7,065/mo
Deposit HK$15.97M · loan HK$23.96M · min. income ≈ HK$232,234/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,697,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,556
−HK$6,568/mo
▼ 0.25% · 3.875%
HK$124,816
−HK$3,308/mo
Today · 4.125%
HK$128,124
baseline
▲ 0.50% · 4.625%
HK$134,877
+HK$6,753/mo
Deposit HK$15.97M · loan HK$23.96M · min. income ≈ HK$256,248/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,697,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,476
−HK$7,994/mo
▼ 0.25% · 3.875%
HK$131,441
−HK$4,029/mo
Today · 4.125%
HK$135,470
baseline
▲ 0.50% · 4.625%
HK$143,713
+HK$8,243/mo
Deposit HK$11.98M · loan HK$27.95M · min. income ≈ HK$270,940/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,697,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,816
−HK$7,662/mo
▼ 0.25% · 3.875%
HK$145,619
−HK$3,859/mo
Today · 4.125%
HK$149,478
baseline
▲ 0.50% · 4.625%
HK$157,357
+HK$7,879/mo
Deposit HK$11.98M · loan HK$27.95M · min. income ≈ HK$298,956/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,697,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,898
−HK$10,277/mo
▼ 0.25% · 3.875%
HK$168,996
−HK$5,179/mo
Today · 4.125%
HK$174,175
baseline
▲ 0.50% · 4.625%
HK$184,774
+HK$10,599/mo
Deposit HK$3.99M · loan HK$35.94M · min. income ≈ HK$348,350/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,697,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,334
−HK$9,851/mo
▼ 0.25% · 3.875%
HK$187,225
−HK$4,960/mo
Today · 4.125%
HK$192,185
baseline
▲ 0.50% · 4.625%
HK$202,316
+HK$10,131/mo
Deposit HK$3.99M · loan HK$35.94M · min. income ≈ HK$384,370/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,697,092 · Scale 2, in force from 26 Feb 2026)