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$90,716
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$93,538
−HK$2,867/mo
Today · 4.125%
HK$96,405
baseline
▲ 0.50% · 4.625%
HK$102,271
+HK$5,866/mo
Deposit HK$19.89M · loan HK$19.89M · min. income ≈ HK$192,810/mo (50% DSR)
Upfront cash ≈ HK$21.58M (deposit + AVD stamp duty HK$1,690,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,921
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$103,627
−HK$2,746/mo
Today · 4.125%
HK$106,373
baseline
▲ 0.50% · 4.625%
HK$111,980
+HK$5,607/mo
Deposit HK$19.89M · loan HK$19.89M · min. income ≈ HK$212,746/mo (50% DSR)
Upfront cash ≈ HK$21.58M (deposit + AVD stamp duty HK$1,690,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,859
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$112,246
−HK$3,440/mo
Today · 4.125%
HK$115,686
baseline
▲ 0.50% · 4.625%
HK$122,725
+HK$7,039/mo
Deposit HK$15.91M · loan HK$23.87M · min. income ≈ HK$231,372/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,690,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,105
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$124,353
−HK$3,295/mo
Today · 4.125%
HK$127,648
baseline
▲ 0.50% · 4.625%
HK$134,376
+HK$6,728/mo
Deposit HK$15.91M · loan HK$23.87M · min. income ≈ HK$255,296/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,690,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,003
−HK$7,964/mo
▼ 0.25% · 3.875%
HK$130,953
−HK$4,014/mo
Today · 4.125%
HK$134,967
baseline
▲ 0.50% · 4.625%
HK$143,179
+HK$8,212/mo
Deposit HK$11.93M · loan HK$27.85M · min. income ≈ HK$269,934/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,690,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,289
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$145,078
−HK$3,845/mo
Today · 4.125%
HK$148,923
baseline
▲ 0.50% · 4.625%
HK$156,772
+HK$7,849/mo
Deposit HK$11.93M · loan HK$27.85M · min. income ≈ HK$297,846/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,690,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,289
−HK$10,240/mo
▼ 0.25% · 3.875%
HK$168,368
−HK$5,161/mo
Today · 4.125%
HK$173,529
baseline
▲ 0.50% · 4.625%
HK$184,088
+HK$10,559/mo
Deposit HK$3.98M · loan HK$35.80M · min. income ≈ HK$347,058/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,690,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,657
−HK$9,815/mo
▼ 0.25% · 3.875%
HK$186,529
−HK$4,943/mo
Today · 4.125%
HK$191,472
baseline
▲ 0.50% · 4.625%
HK$201,565
+HK$10,093/mo
Deposit HK$3.98M · loan HK$35.80M · min. income ≈ HK$382,944/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,690,791 · Scale 2, in force from 26 Feb 2026)