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$90,688
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$93,509
−HK$2,866/mo
Today · 4.125%
HK$96,375
baseline
▲ 0.50% · 4.625%
HK$102,239
+HK$5,864/mo
Deposit HK$19.89M · loan HK$19.89M · min. income ≈ HK$192,750/mo (50% DSR)
Upfront cash ≈ HK$21.58M (deposit + AVD stamp duty HK$1,690,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,890
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$103,595
−HK$2,745/mo
Today · 4.125%
HK$106,340
baseline
▲ 0.50% · 4.625%
HK$111,946
+HK$5,606/mo
Deposit HK$19.89M · loan HK$19.89M · min. income ≈ HK$212,680/mo (50% DSR)
Upfront cash ≈ HK$21.58M (deposit + AVD stamp duty HK$1,690,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,826
−HK$6,824/mo
▼ 0.25% · 3.875%
HK$112,211
−HK$3,439/mo
Today · 4.125%
HK$115,650
baseline
▲ 0.50% · 4.625%
HK$122,687
+HK$7,037/mo
Deposit HK$15.91M · loan HK$23.86M · min. income ≈ HK$231,300/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,690,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,068
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$124,315
−HK$3,293/mo
Today · 4.125%
HK$127,608
baseline
▲ 0.50% · 4.625%
HK$134,335
+HK$6,727/mo
Deposit HK$15.91M · loan HK$23.86M · min. income ≈ HK$255,216/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,690,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,963
−HK$7,962/mo
▼ 0.25% · 3.875%
HK$130,913
−HK$4,012/mo
Today · 4.125%
HK$134,925
baseline
▲ 0.50% · 4.625%
HK$143,135
+HK$8,210/mo
Deposit HK$11.93M · loan HK$27.84M · min. income ≈ HK$269,850/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,690,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,245
−HK$7,632/mo
▼ 0.25% · 3.875%
HK$145,034
−HK$3,843/mo
Today · 4.125%
HK$148,877
baseline
▲ 0.50% · 4.625%
HK$156,724
+HK$7,847/mo
Deposit HK$11.93M · loan HK$27.84M · min. income ≈ HK$297,754/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,690,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,239
−HK$10,236/mo
▼ 0.25% · 3.875%
HK$168,316
−HK$5,159/mo
Today · 4.125%
HK$173,475
baseline
▲ 0.50% · 4.625%
HK$184,031
+HK$10,556/mo
Deposit HK$3.98M · loan HK$35.79M · min. income ≈ HK$346,950/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,690,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,601
−HK$9,812/mo
▼ 0.25% · 3.875%
HK$186,472
−HK$4,941/mo
Today · 4.125%
HK$191,413
baseline
▲ 0.50% · 4.625%
HK$201,502
+HK$10,089/mo
Deposit HK$3.98M · loan HK$35.79M · min. income ≈ HK$382,826/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,690,269 · Scale 2, in force from 26 Feb 2026)