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$90,878
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$93,705
−HK$2,872/mo
Today · 4.125%
HK$96,577
baseline
▲ 0.50% · 4.625%
HK$102,454
+HK$5,877/mo
Deposit HK$19.93M · loan HK$19.93M · min. income ≈ HK$193,154/mo (50% DSR)
Upfront cash ≈ HK$21.62M (deposit + AVD stamp duty HK$1,693,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,101
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$103,813
−HK$2,750/mo
Today · 4.125%
HK$106,563
baseline
▲ 0.50% · 4.625%
HK$112,180
+HK$5,617/mo
Deposit HK$19.93M · loan HK$19.93M · min. income ≈ HK$213,126/mo (50% DSR)
Upfront cash ≈ HK$21.62M (deposit + AVD stamp duty HK$1,693,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,054
−HK$6,839/mo
▼ 0.25% · 3.875%
HK$112,446
−HK$3,447/mo
Today · 4.125%
HK$115,893
baseline
▲ 0.50% · 4.625%
HK$122,944
+HK$7,051/mo
Deposit HK$15.94M · loan HK$23.91M · min. income ≈ HK$231,786/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,693,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,321
−HK$6,555/mo
▼ 0.25% · 3.875%
HK$124,575
−HK$3,301/mo
Today · 4.125%
HK$127,876
baseline
▲ 0.50% · 4.625%
HK$134,616
+HK$6,740/mo
Deposit HK$15.94M · loan HK$23.91M · min. income ≈ HK$255,752/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,693,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,230
−HK$7,978/mo
▼ 0.25% · 3.875%
HK$131,187
−HK$4,021/mo
Today · 4.125%
HK$135,208
baseline
▲ 0.50% · 4.625%
HK$143,435
+HK$8,227/mo
Deposit HK$11.96M · loan HK$27.90M · min. income ≈ HK$270,416/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,693,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,542
−HK$7,647/mo
▼ 0.25% · 3.875%
HK$145,338
−HK$3,851/mo
Today · 4.125%
HK$149,189
baseline
▲ 0.50% · 4.625%
HK$157,053
+HK$7,864/mo
Deposit HK$11.96M · loan HK$27.90M · min. income ≈ HK$298,378/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,693,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,581
−HK$10,258/mo
▼ 0.25% · 3.875%
HK$168,669
−HK$5,170/mo
Today · 4.125%
HK$173,839
baseline
▲ 0.50% · 4.625%
HK$184,416
+HK$10,577/mo
Deposit HK$3.99M · loan HK$35.87M · min. income ≈ HK$347,678/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,693,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,982
−HK$9,832/mo
▼ 0.25% · 3.875%
HK$186,863
−HK$4,951/mo
Today · 4.125%
HK$191,814
baseline
▲ 0.50% · 4.625%
HK$201,925
+HK$10,111/mo
Deposit HK$3.99M · loan HK$35.87M · min. income ≈ HK$383,628/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,693,812 · Scale 2, in force from 26 Feb 2026)