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$90,746
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$93,569
−HK$2,868/mo
Today · 4.125%
HK$96,437
baseline
▲ 0.50% · 4.625%
HK$102,305
+HK$5,868/mo
Deposit HK$19.90M · loan HK$19.90M · min. income ≈ HK$192,874/mo (50% DSR)
Upfront cash ≈ HK$21.59M (deposit + AVD stamp duty HK$1,691,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,954
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$103,662
−HK$2,746/mo
Today · 4.125%
HK$106,408
baseline
▲ 0.50% · 4.625%
HK$112,017
+HK$5,609/mo
Deposit HK$19.90M · loan HK$19.90M · min. income ≈ HK$212,816/mo (50% DSR)
Upfront cash ≈ HK$21.59M (deposit + AVD stamp duty HK$1,691,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,895
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$112,283
−HK$3,441/mo
Today · 4.125%
HK$115,724
baseline
▲ 0.50% · 4.625%
HK$122,766
+HK$7,042/mo
Deposit HK$15.92M · loan HK$23.88M · min. income ≈ HK$231,448/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,691,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,145
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$124,394
−HK$3,296/mo
Today · 4.125%
HK$127,690
baseline
▲ 0.50% · 4.625%
HK$134,421
+HK$6,731/mo
Deposit HK$15.92M · loan HK$23.88M · min. income ≈ HK$255,380/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,691,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,045
−HK$7,966/mo
▼ 0.25% · 3.875%
HK$130,996
−HK$4,015/mo
Today · 4.125%
HK$135,011
baseline
▲ 0.50% · 4.625%
HK$143,227
+HK$8,216/mo
Deposit HK$11.94M · loan HK$27.86M · min. income ≈ HK$270,022/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,691,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,336
−HK$7,636/mo
▼ 0.25% · 3.875%
HK$145,126
−HK$3,846/mo
Today · 4.125%
HK$148,972
baseline
▲ 0.50% · 4.625%
HK$156,824
+HK$7,852/mo
Deposit HK$11.94M · loan HK$27.86M · min. income ≈ HK$297,944/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,691,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,343
−HK$10,243/mo
▼ 0.25% · 3.875%
HK$168,424
−HK$5,162/mo
Today · 4.125%
HK$173,586
baseline
▲ 0.50% · 4.625%
HK$184,149
+HK$10,563/mo
Deposit HK$3.98M · loan HK$35.82M · min. income ≈ HK$347,172/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,691,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,718
−HK$9,817/mo
▼ 0.25% · 3.875%
HK$186,591
−HK$4,944/mo
Today · 4.125%
HK$191,535
baseline
▲ 0.50% · 4.625%
HK$201,631
+HK$10,096/mo
Deposit HK$3.98M · loan HK$35.82M · min. income ≈ HK$383,070/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,691,351 · Scale 2, in force from 26 Feb 2026)