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$91,136
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$93,971
−HK$2,880/mo
Today · 4.125%
HK$96,851
baseline
▲ 0.50% · 4.625%
HK$102,744
+HK$5,893/mo
Deposit HK$19.98M · loan HK$19.98M · min. income ≈ HK$193,702/mo (50% DSR)
Upfront cash ≈ HK$21.68M (deposit + AVD stamp duty HK$1,698,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,388
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$104,107
−HK$2,758/mo
Today · 4.125%
HK$106,865
baseline
▲ 0.50% · 4.625%
HK$112,498
+HK$5,633/mo
Deposit HK$19.98M · loan HK$19.98M · min. income ≈ HK$213,730/mo (50% DSR)
Upfront cash ≈ HK$21.68M (deposit + AVD stamp duty HK$1,698,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,363
−HK$6,858/mo
▼ 0.25% · 3.875%
HK$112,765
−HK$3,456/mo
Today · 4.125%
HK$116,221
baseline
▲ 0.50% · 4.625%
HK$123,293
+HK$7,072/mo
Deposit HK$15.99M · loan HK$23.98M · min. income ≈ HK$232,442/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,698,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,665
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$124,928
−HK$3,310/mo
Today · 4.125%
HK$128,238
baseline
▲ 0.50% · 4.625%
HK$134,998
+HK$6,760/mo
Deposit HK$15.99M · loan HK$23.98M · min. income ≈ HK$256,476/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,698,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,590
−HK$8,001/mo
▼ 0.25% · 3.875%
HK$131,559
−HK$4,032/mo
Today · 4.125%
HK$135,591
baseline
▲ 0.50% · 4.625%
HK$143,842
+HK$8,251/mo
Deposit HK$11.99M · loan HK$27.98M · min. income ≈ HK$271,182/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,698,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,943
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$145,750
−HK$3,862/mo
Today · 4.125%
HK$149,612
baseline
▲ 0.50% · 4.625%
HK$157,498
+HK$7,886/mo
Deposit HK$11.99M · loan HK$27.98M · min. income ≈ HK$299,224/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,698,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,045
−HK$10,287/mo
▼ 0.25% · 3.875%
HK$169,147
−HK$5,185/mo
Today · 4.125%
HK$174,332
baseline
▲ 0.50% · 4.625%
HK$184,939
+HK$10,607/mo
Deposit HK$4.00M · loan HK$35.97M · min. income ≈ HK$348,664/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,698,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,498
−HK$9,860/mo
▼ 0.25% · 3.875%
HK$187,392
−HK$4,966/mo
Today · 4.125%
HK$192,358
baseline
▲ 0.50% · 4.625%
HK$202,497
+HK$10,139/mo
Deposit HK$4.00M · loan HK$35.97M · min. income ≈ HK$384,716/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,698,614 · Scale 2, in force from 26 Feb 2026)