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$90,536
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$93,352
−HK$2,861/mo
Today · 4.125%
HK$96,213
baseline
▲ 0.50% · 4.625%
HK$102,067
+HK$5,854/mo
Deposit HK$19.85M · loan HK$19.85M · min. income ≈ HK$192,426/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$1,687,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,720
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$103,421
−HK$2,740/mo
Today · 4.125%
HK$106,161
baseline
▲ 0.50% · 4.625%
HK$111,757
+HK$5,596/mo
Deposit HK$19.85M · loan HK$19.85M · min. income ≈ HK$212,322/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$1,687,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,643
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$112,022
−HK$3,434/mo
Today · 4.125%
HK$115,456
baseline
▲ 0.50% · 4.625%
HK$122,481
+HK$7,025/mo
Deposit HK$15.88M · loan HK$23.82M · min. income ≈ HK$230,912/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,687,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,864
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$124,105
−HK$3,289/mo
Today · 4.125%
HK$127,394
baseline
▲ 0.50% · 4.625%
HK$134,109
+HK$6,715/mo
Deposit HK$15.88M · loan HK$23.82M · min. income ≈ HK$254,788/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,687,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,750
−HK$7,948/mo
▼ 0.25% · 3.875%
HK$130,692
−HK$4,006/mo
Today · 4.125%
HK$134,698
baseline
▲ 0.50% · 4.625%
HK$142,894
+HK$8,196/mo
Deposit HK$11.91M · loan HK$27.79M · min. income ≈ HK$269,396/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,687,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,008
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$144,790
−HK$3,836/mo
Today · 4.125%
HK$148,626
baseline
▲ 0.50% · 4.625%
HK$156,460
+HK$7,834/mo
Deposit HK$11.91M · loan HK$27.79M · min. income ≈ HK$297,252/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,687,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,964
−HK$10,219/mo
▼ 0.25% · 3.875%
HK$168,033
−HK$5,150/mo
Today · 4.125%
HK$173,183
baseline
▲ 0.50% · 4.625%
HK$183,721
+HK$10,538/mo
Deposit HK$3.97M · loan HK$35.73M · min. income ≈ HK$346,366/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,687,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,296
−HK$9,795/mo
▼ 0.25% · 3.875%
HK$186,158
−HK$4,933/mo
Today · 4.125%
HK$191,091
baseline
▲ 0.50% · 4.625%
HK$201,163
+HK$10,072/mo
Deposit HK$3.97M · loan HK$35.73M · min. income ≈ HK$382,182/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,687,425 · Scale 2, in force from 26 Feb 2026)