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$90,411
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$93,223
−HK$2,857/mo
Today · 4.125%
HK$96,080
baseline
▲ 0.50% · 4.625%
HK$101,926
+HK$5,846/mo
Deposit HK$19.82M · loan HK$19.82M · min. income ≈ HK$192,160/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$1,685,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,581
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$103,278
−HK$2,737/mo
Today · 4.125%
HK$106,015
baseline
▲ 0.50% · 4.625%
HK$111,603
+HK$5,588/mo
Deposit HK$19.82M · loan HK$19.82M · min. income ≈ HK$212,030/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$1,685,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,493
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$111,868
−HK$3,428/mo
Today · 4.125%
HK$115,296
baseline
▲ 0.50% · 4.625%
HK$122,312
+HK$7,016/mo
Deposit HK$15.86M · loan HK$23.79M · min. income ≈ HK$230,592/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,685,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,697
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$123,934
−HK$3,284/mo
Today · 4.125%
HK$127,218
baseline
▲ 0.50% · 4.625%
HK$133,924
+HK$6,706/mo
Deposit HK$15.86M · loan HK$23.79M · min. income ≈ HK$254,436/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,685,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,575
−HK$7,937/mo
▼ 0.25% · 3.875%
HK$130,512
−HK$4,000/mo
Today · 4.125%
HK$134,512
baseline
▲ 0.50% · 4.625%
HK$142,697
+HK$8,185/mo
Deposit HK$11.89M · loan HK$27.75M · min. income ≈ HK$269,024/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,685,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,813
−HK$7,608/mo
▼ 0.25% · 3.875%
HK$144,590
−HK$3,831/mo
Today · 4.125%
HK$148,421
baseline
▲ 0.50% · 4.625%
HK$156,244
+HK$7,823/mo
Deposit HK$11.89M · loan HK$27.75M · min. income ≈ HK$296,842/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,685,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,739
−HK$10,205/mo
▼ 0.25% · 3.875%
HK$167,801
−HK$5,143/mo
Today · 4.125%
HK$172,944
baseline
▲ 0.50% · 4.625%
HK$183,468
+HK$10,524/mo
Deposit HK$3.96M · loan HK$35.68M · min. income ≈ HK$345,888/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,685,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,046
−HK$9,781/mo
▼ 0.25% · 3.875%
HK$185,901
−HK$4,926/mo
Today · 4.125%
HK$190,827
baseline
▲ 0.50% · 4.625%
HK$200,886
+HK$10,059/mo
Deposit HK$3.96M · loan HK$35.68M · min. income ≈ HK$381,654/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,685,097 · Scale 2, in force from 26 Feb 2026)