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$90,807
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$93,631
−HK$2,870/mo
Today · 4.125%
HK$96,501
baseline
▲ 0.50% · 4.625%
HK$102,373
+HK$5,872/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$193,002/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$1,692,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,021
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$103,731
−HK$2,748/mo
Today · 4.125%
HK$106,479
baseline
▲ 0.50% · 4.625%
HK$112,092
+HK$5,613/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$212,958/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$1,692,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,968
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$112,357
−HK$3,444/mo
Today · 4.125%
HK$115,801
baseline
▲ 0.50% · 4.625%
HK$122,847
+HK$7,046/mo
Deposit HK$15.93M · loan HK$23.89M · min. income ≈ HK$231,602/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,692,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,226
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$124,477
−HK$3,298/mo
Today · 4.125%
HK$127,775
baseline
▲ 0.50% · 4.625%
HK$134,510
+HK$6,735/mo
Deposit HK$15.93M · loan HK$23.89M · min. income ≈ HK$255,550/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,692,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,129
−HK$7,972/mo
▼ 0.25% · 3.875%
HK$131,084
−HK$4,017/mo
Today · 4.125%
HK$135,101
baseline
▲ 0.50% · 4.625%
HK$143,322
+HK$8,221/mo
Deposit HK$11.95M · loan HK$27.88M · min. income ≈ HK$270,202/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,430
−HK$7,641/mo
▼ 0.25% · 3.875%
HK$145,223
−HK$3,848/mo
Today · 4.125%
HK$149,071
baseline
▲ 0.50% · 4.625%
HK$156,929
+HK$7,858/mo
Deposit HK$11.95M · loan HK$27.88M · min. income ≈ HK$298,142/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,452
−HK$10,250/mo
▼ 0.25% · 3.875%
HK$168,536
−HK$5,166/mo
Today · 4.125%
HK$173,702
baseline
▲ 0.50% · 4.625%
HK$184,271
+HK$10,569/mo
Deposit HK$3.98M · loan HK$35.84M · min. income ≈ HK$347,404/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,692,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,839
−HK$9,824/mo
▼ 0.25% · 3.875%
HK$186,715
−HK$4,948/mo
Today · 4.125%
HK$191,663
baseline
▲ 0.50% · 4.625%
HK$201,766
+HK$10,103/mo
Deposit HK$3.98M · loan HK$35.84M · min. income ≈ HK$383,326/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,692,477 · Scale 2, in force from 26 Feb 2026)