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$91,137
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$93,972
−HK$2,880/mo
Today · 4.125%
HK$96,852
baseline
▲ 0.50% · 4.625%
HK$102,745
+HK$5,893/mo
Deposit HK$19.98M · loan HK$19.98M · min. income ≈ HK$193,704/mo (50% DSR)
Upfront cash ≈ HK$21.68M (deposit + AVD stamp duty HK$1,698,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,389
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$104,108
−HK$2,759/mo
Today · 4.125%
HK$106,867
baseline
▲ 0.50% · 4.625%
HK$112,500
+HK$5,633/mo
Deposit HK$19.98M · loan HK$19.98M · min. income ≈ HK$213,734/mo (50% DSR)
Upfront cash ≈ HK$21.68M (deposit + AVD stamp duty HK$1,698,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,364
−HK$6,858/mo
▼ 0.25% · 3.875%
HK$112,766
−HK$3,456/mo
Today · 4.125%
HK$116,222
baseline
▲ 0.50% · 4.625%
HK$123,294
+HK$7,072/mo
Deposit HK$15.99M · loan HK$23.98M · min. income ≈ HK$232,444/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,698,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,667
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$124,930
−HK$3,310/mo
Today · 4.125%
HK$128,240
baseline
▲ 0.50% · 4.625%
HK$135,000
+HK$6,760/mo
Deposit HK$15.99M · loan HK$23.98M · min. income ≈ HK$256,480/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,698,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,592
−HK$8,001/mo
▼ 0.25% · 3.875%
HK$131,561
−HK$4,032/mo
Today · 4.125%
HK$135,593
baseline
▲ 0.50% · 4.625%
HK$143,843
+HK$8,250/mo
Deposit HK$11.99M · loan HK$27.98M · min. income ≈ HK$271,186/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,698,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,944
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$145,751
−HK$3,862/mo
Today · 4.125%
HK$149,613
baseline
▲ 0.50% · 4.625%
HK$157,500
+HK$7,887/mo
Deposit HK$11.99M · loan HK$27.98M · min. income ≈ HK$299,226/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,698,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,046
−HK$10,288/mo
▼ 0.25% · 3.875%
HK$169,149
−HK$5,185/mo
Today · 4.125%
HK$174,334
baseline
▲ 0.50% · 4.625%
HK$184,941
+HK$10,607/mo
Deposit HK$4.00M · loan HK$35.97M · min. income ≈ HK$348,668/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,698,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,500
−HK$9,860/mo
▼ 0.25% · 3.875%
HK$187,395
−HK$4,965/mo
Today · 4.125%
HK$192,360
baseline
▲ 0.50% · 4.625%
HK$202,500
+HK$10,140/mo
Deposit HK$4.00M · loan HK$35.97M · min. income ≈ HK$384,720/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,698,634 · Scale 2, in force from 26 Feb 2026)