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$90,888
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$93,715
−HK$2,872/mo
Today · 4.125%
HK$96,587
baseline
▲ 0.50% · 4.625%
HK$102,464
+HK$5,877/mo
Deposit HK$19.93M · loan HK$19.93M · min. income ≈ HK$193,174/mo (50% DSR)
Upfront cash ≈ HK$21.62M (deposit + AVD stamp duty HK$1,693,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,112
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$103,824
−HK$2,751/mo
Today · 4.125%
HK$106,575
baseline
▲ 0.50% · 4.625%
HK$112,192
+HK$5,617/mo
Deposit HK$19.93M · loan HK$19.93M · min. income ≈ HK$213,150/mo (50% DSR)
Upfront cash ≈ HK$21.62M (deposit + AVD stamp duty HK$1,693,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,065
−HK$6,840/mo
▼ 0.25% · 3.875%
HK$112,458
−HK$3,447/mo
Today · 4.125%
HK$115,905
baseline
▲ 0.50% · 4.625%
HK$122,957
+HK$7,052/mo
Deposit HK$15.94M · loan HK$23.92M · min. income ≈ HK$231,810/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,693,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,334
−HK$6,555/mo
▼ 0.25% · 3.875%
HK$124,588
−HK$3,301/mo
Today · 4.125%
HK$127,889
baseline
▲ 0.50% · 4.625%
HK$134,631
+HK$6,742/mo
Deposit HK$15.94M · loan HK$23.92M · min. income ≈ HK$255,778/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,693,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,243
−HK$7,979/mo
▼ 0.25% · 3.875%
HK$131,201
−HK$4,021/mo
Today · 4.125%
HK$135,222
baseline
▲ 0.50% · 4.625%
HK$143,450
+HK$8,228/mo
Deposit HK$11.96M · loan HK$27.90M · min. income ≈ HK$270,444/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,693,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,557
−HK$7,647/mo
▼ 0.25% · 3.875%
HK$145,353
−HK$3,851/mo
Today · 4.125%
HK$149,204
baseline
▲ 0.50% · 4.625%
HK$157,069
+HK$7,865/mo
Deposit HK$11.96M · loan HK$27.90M · min. income ≈ HK$298,408/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,693,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,598
−HK$10,259/mo
▼ 0.25% · 3.875%
HK$168,687
−HK$5,170/mo
Today · 4.125%
HK$173,857
baseline
▲ 0.50% · 4.625%
HK$184,436
+HK$10,579/mo
Deposit HK$3.99M · loan HK$35.87M · min. income ≈ HK$347,714/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,693,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,001
−HK$9,833/mo
▼ 0.25% · 3.875%
HK$186,882
−HK$4,952/mo
Today · 4.125%
HK$191,834
baseline
▲ 0.50% · 4.625%
HK$201,946
+HK$10,112/mo
Deposit HK$3.99M · loan HK$35.87M · min. income ≈ HK$383,668/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,693,991 · Scale 2, in force from 26 Feb 2026)