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$90,788
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$93,612
−HK$2,869/mo
Today · 4.125%
HK$96,481
baseline
▲ 0.50% · 4.625%
HK$102,352
+HK$5,871/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$192,962/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$1,692,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,001
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$103,710
−HK$2,747/mo
Today · 4.125%
HK$106,457
baseline
▲ 0.50% · 4.625%
HK$112,069
+HK$5,612/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$212,914/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$1,692,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,946
−HK$6,831/mo
▼ 0.25% · 3.875%
HK$112,334
−HK$3,443/mo
Today · 4.125%
HK$115,777
baseline
▲ 0.50% · 4.625%
HK$122,822
+HK$7,045/mo
Deposit HK$15.93M · loan HK$23.89M · min. income ≈ HK$231,554/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,692,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,201
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$124,451
−HK$3,298/mo
Today · 4.125%
HK$127,749
baseline
▲ 0.50% · 4.625%
HK$134,483
+HK$6,734/mo
Deposit HK$15.93M · loan HK$23.89M · min. income ≈ HK$255,498/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,692,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,103
−HK$7,971/mo
▼ 0.25% · 3.875%
HK$131,057
−HK$4,017/mo
Today · 4.125%
HK$135,074
baseline
▲ 0.50% · 4.625%
HK$143,293
+HK$8,219/mo
Deposit HK$11.94M · loan HK$27.87M · min. income ≈ HK$270,148/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,401
−HK$7,639/mo
▼ 0.25% · 3.875%
HK$145,193
−HK$3,847/mo
Today · 4.125%
HK$149,040
baseline
▲ 0.50% · 4.625%
HK$156,897
+HK$7,857/mo
Deposit HK$11.94M · loan HK$27.87M · min. income ≈ HK$298,080/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,418
−HK$10,248/mo
▼ 0.25% · 3.875%
HK$168,502
−HK$5,164/mo
Today · 4.125%
HK$173,666
baseline
▲ 0.50% · 4.625%
HK$184,233
+HK$10,567/mo
Deposit HK$3.98M · loan HK$35.83M · min. income ≈ HK$347,332/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,692,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,801
−HK$9,822/mo
▼ 0.25% · 3.875%
HK$186,677
−HK$4,946/mo
Today · 4.125%
HK$191,623
baseline
▲ 0.50% · 4.625%
HK$201,724
+HK$10,101/mo
Deposit HK$3.98M · loan HK$35.83M · min. income ≈ HK$383,246/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,692,130 · Scale 2, in force from 26 Feb 2026)