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$91,081
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$93,914
−HK$2,878/mo
Today · 4.125%
HK$96,792
baseline
▲ 0.50% · 4.625%
HK$102,682
+HK$5,890/mo
Deposit HK$19.97M · loan HK$19.97M · min. income ≈ HK$193,584/mo (50% DSR)
Upfront cash ≈ HK$21.67M (deposit + AVD stamp duty HK$1,697,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,327
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,044
−HK$2,757/mo
Today · 4.125%
HK$106,801
baseline
▲ 0.50% · 4.625%
HK$112,431
+HK$5,630/mo
Deposit HK$19.97M · loan HK$19.97M · min. income ≈ HK$213,602/mo (50% DSR)
Upfront cash ≈ HK$21.67M (deposit + AVD stamp duty HK$1,697,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,297
−HK$6,854/mo
▼ 0.25% · 3.875%
HK$112,697
−HK$3,454/mo
Today · 4.125%
HK$116,151
baseline
▲ 0.50% · 4.625%
HK$123,218
+HK$7,067/mo
Deposit HK$15.98M · loan HK$23.97M · min. income ≈ HK$232,302/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,697,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,592
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$124,853
−HK$3,308/mo
Today · 4.125%
HK$128,161
baseline
▲ 0.50% · 4.625%
HK$134,917
+HK$6,756/mo
Deposit HK$15.98M · loan HK$23.97M · min. income ≈ HK$256,322/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,697,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,513
−HK$7,996/mo
▼ 0.25% · 3.875%
HK$131,480
−HK$4,029/mo
Today · 4.125%
HK$135,509
baseline
▲ 0.50% · 4.625%
HK$143,755
+HK$8,246/mo
Deposit HK$11.98M · loan HK$27.96M · min. income ≈ HK$271,018/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,697,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,857
−HK$7,664/mo
▼ 0.25% · 3.875%
HK$145,662
−HK$3,859/mo
Today · 4.125%
HK$149,521
baseline
▲ 0.50% · 4.625%
HK$157,403
+HK$7,882/mo
Deposit HK$11.98M · loan HK$27.96M · min. income ≈ HK$299,042/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,697,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,946
−HK$10,280/mo
▼ 0.25% · 3.875%
HK$169,045
−HK$5,181/mo
Today · 4.125%
HK$174,226
baseline
▲ 0.50% · 4.625%
HK$184,828
+HK$10,602/mo
Deposit HK$3.99M · loan HK$35.95M · min. income ≈ HK$348,452/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,697,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,388
−HK$9,854/mo
▼ 0.25% · 3.875%
HK$187,279
−HK$4,963/mo
Today · 4.125%
HK$192,242
baseline
▲ 0.50% · 4.625%
HK$202,375
+HK$10,133/mo
Deposit HK$3.99M · loan HK$35.95M · min. income ≈ HK$384,484/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,697,589 · Scale 2, in force from 26 Feb 2026)