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$90,476
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$93,291
−HK$2,859/mo
Today · 4.125%
HK$96,150
baseline
▲ 0.50% · 4.625%
HK$102,001
+HK$5,851/mo
Deposit HK$19.84M · loan HK$19.84M · min. income ≈ HK$192,300/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$1,686,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,654
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$103,354
−HK$2,738/mo
Today · 4.125%
HK$106,092
baseline
▲ 0.50% · 4.625%
HK$111,684
+HK$5,592/mo
Deposit HK$19.84M · loan HK$19.84M · min. income ≈ HK$212,184/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$1,686,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,572
−HK$6,808/mo
▼ 0.25% · 3.875%
HK$111,949
−HK$3,431/mo
Today · 4.125%
HK$115,380
baseline
▲ 0.50% · 4.625%
HK$122,401
+HK$7,021/mo
Deposit HK$15.87M · loan HK$23.81M · min. income ≈ HK$230,760/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,686,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,785
−HK$6,526/mo
▼ 0.25% · 3.875%
HK$124,024
−HK$3,287/mo
Today · 4.125%
HK$127,311
baseline
▲ 0.50% · 4.625%
HK$134,021
+HK$6,710/mo
Deposit HK$15.87M · loan HK$23.81M · min. income ≈ HK$254,622/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,686,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,667
−HK$7,943/mo
▼ 0.25% · 3.875%
HK$130,607
−HK$4,003/mo
Today · 4.125%
HK$134,610
baseline
▲ 0.50% · 4.625%
HK$142,801
+HK$8,191/mo
Deposit HK$11.90M · loan HK$27.77M · min. income ≈ HK$269,220/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,686,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,916
−HK$7,613/mo
▼ 0.25% · 3.875%
HK$144,695
−HK$3,834/mo
Today · 4.125%
HK$148,529
baseline
▲ 0.50% · 4.625%
HK$156,358
+HK$7,829/mo
Deposit HK$11.90M · loan HK$27.77M · min. income ≈ HK$297,058/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,686,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,858
−HK$10,212/mo
▼ 0.25% · 3.875%
HK$167,923
−HK$5,147/mo
Today · 4.125%
HK$173,070
baseline
▲ 0.50% · 4.625%
HK$183,601
+HK$10,531/mo
Deposit HK$3.97M · loan HK$35.71M · min. income ≈ HK$346,140/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,686,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,178
−HK$9,788/mo
▼ 0.25% · 3.875%
HK$186,037
−HK$4,929/mo
Today · 4.125%
HK$190,966
baseline
▲ 0.50% · 4.625%
HK$201,032
+HK$10,066/mo
Deposit HK$3.97M · loan HK$35.71M · min. income ≈ HK$381,932/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,686,324 · Scale 2, in force from 26 Feb 2026)