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$91,101
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$93,934
−HK$2,879/mo
Today · 4.125%
HK$96,813
baseline
▲ 0.50% · 4.625%
HK$102,704
+HK$5,891/mo
Deposit HK$19.98M · loan HK$19.98M · min. income ≈ HK$193,626/mo (50% DSR)
Upfront cash ≈ HK$21.67M (deposit + AVD stamp duty HK$1,697,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,349
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$104,067
−HK$2,757/mo
Today · 4.125%
HK$106,824
baseline
▲ 0.50% · 4.625%
HK$112,455
+HK$5,631/mo
Deposit HK$19.98M · loan HK$19.98M · min. income ≈ HK$213,648/mo (50% DSR)
Upfront cash ≈ HK$21.67M (deposit + AVD stamp duty HK$1,697,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,321
−HK$6,855/mo
▼ 0.25% · 3.875%
HK$112,721
−HK$3,455/mo
Today · 4.125%
HK$116,176
baseline
▲ 0.50% · 4.625%
HK$123,245
+HK$7,069/mo
Deposit HK$15.98M · loan HK$23.97M · min. income ≈ HK$232,352/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,697,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,618
−HK$6,571/mo
▼ 0.25% · 3.875%
HK$124,880
−HK$3,309/mo
Today · 4.125%
HK$128,189
baseline
▲ 0.50% · 4.625%
HK$134,946
+HK$6,757/mo
Deposit HK$15.98M · loan HK$23.97M · min. income ≈ HK$256,378/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,697,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,541
−HK$7,998/mo
▼ 0.25% · 3.875%
HK$131,508
−HK$4,031/mo
Today · 4.125%
HK$135,539
baseline
▲ 0.50% · 4.625%
HK$143,786
+HK$8,247/mo
Deposit HK$11.99M · loan HK$27.97M · min. income ≈ HK$271,078/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,697,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,888
−HK$7,666/mo
▼ 0.25% · 3.875%
HK$145,693
−HK$3,861/mo
Today · 4.125%
HK$149,554
baseline
▲ 0.50% · 4.625%
HK$157,437
+HK$7,883/mo
Deposit HK$11.99M · loan HK$27.97M · min. income ≈ HK$299,108/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,697,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,981
−HK$10,283/mo
▼ 0.25% · 3.875%
HK$169,082
−HK$5,182/mo
Today · 4.125%
HK$174,264
baseline
▲ 0.50% · 4.625%
HK$184,868
+HK$10,604/mo
Deposit HK$4.00M · loan HK$35.96M · min. income ≈ HK$348,528/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,697,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,427
−HK$9,856/mo
▼ 0.25% · 3.875%
HK$187,320
−HK$4,963/mo
Today · 4.125%
HK$192,283
baseline
▲ 0.50% · 4.625%
HK$202,419
+HK$10,136/mo
Deposit HK$4.00M · loan HK$35.96M · min. income ≈ HK$384,566/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,697,957 · Scale 2, in force from 26 Feb 2026)