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$90,573
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$93,390
−HK$2,862/mo
Today · 4.125%
HK$96,252
baseline
▲ 0.50% · 4.625%
HK$102,109
+HK$5,857/mo
Deposit HK$19.86M · loan HK$19.86M · min. income ≈ HK$192,504/mo (50% DSR)
Upfront cash ≈ HK$21.55M (deposit + AVD stamp duty HK$1,688,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,761
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$103,463
−HK$2,742/mo
Today · 4.125%
HK$106,205
baseline
▲ 0.50% · 4.625%
HK$111,803
+HK$5,598/mo
Deposit HK$19.86M · loan HK$19.86M · min. income ≈ HK$212,410/mo (50% DSR)
Upfront cash ≈ HK$21.55M (deposit + AVD stamp duty HK$1,688,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,687
−HK$6,816/mo
▼ 0.25% · 3.875%
HK$112,068
−HK$3,435/mo
Today · 4.125%
HK$115,503
baseline
▲ 0.50% · 4.625%
HK$122,531
+HK$7,028/mo
Deposit HK$15.89M · loan HK$23.83M · min. income ≈ HK$231,006/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,688,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,913
−HK$6,533/mo
▼ 0.25% · 3.875%
HK$124,156
−HK$3,290/mo
Today · 4.125%
HK$127,446
baseline
▲ 0.50% · 4.625%
HK$134,164
+HK$6,718/mo
Deposit HK$15.89M · loan HK$23.83M · min. income ≈ HK$254,892/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,688,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,802
−HK$7,951/mo
▼ 0.25% · 3.875%
HK$130,746
−HK$4,007/mo
Today · 4.125%
HK$134,753
baseline
▲ 0.50% · 4.625%
HK$142,953
+HK$8,200/mo
Deposit HK$11.92M · loan HK$27.80M · min. income ≈ HK$269,506/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,688,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,065
−HK$7,622/mo
▼ 0.25% · 3.875%
HK$144,849
−HK$3,838/mo
Today · 4.125%
HK$148,687
baseline
▲ 0.50% · 4.625%
HK$156,524
+HK$7,837/mo
Deposit HK$11.92M · loan HK$27.80M · min. income ≈ HK$297,374/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,688,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,031
−HK$10,223/mo
▼ 0.25% · 3.875%
HK$168,102
−HK$5,152/mo
Today · 4.125%
HK$173,254
baseline
▲ 0.50% · 4.625%
HK$183,796
+HK$10,542/mo
Deposit HK$3.97M · loan HK$35.75M · min. income ≈ HK$346,508/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,688,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,370
−HK$9,799/mo
▼ 0.25% · 3.875%
HK$186,234
−HK$4,935/mo
Today · 4.125%
HK$191,169
baseline
▲ 0.50% · 4.625%
HK$201,246
+HK$10,077/mo
Deposit HK$3.97M · loan HK$35.75M · min. income ≈ HK$382,338/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,688,115 · Scale 2, in force from 26 Feb 2026)