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$90,671
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$93,491
−HK$2,865/mo
Today · 4.125%
HK$96,356
baseline
▲ 0.50% · 4.625%
HK$102,219
+HK$5,863/mo
Deposit HK$19.88M · loan HK$19.88M · min. income ≈ HK$192,712/mo (50% DSR)
Upfront cash ≈ HK$21.57M (deposit + AVD stamp duty HK$1,689,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,870
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$103,575
−HK$2,745/mo
Today · 4.125%
HK$106,320
baseline
▲ 0.50% · 4.625%
HK$111,924
+HK$5,604/mo
Deposit HK$19.88M · loan HK$19.88M · min. income ≈ HK$212,640/mo (50% DSR)
Upfront cash ≈ HK$21.57M (deposit + AVD stamp duty HK$1,689,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,805
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$112,189
−HK$3,439/mo
Today · 4.125%
HK$115,628
baseline
▲ 0.50% · 4.625%
HK$122,663
+HK$7,035/mo
Deposit HK$15.91M · loan HK$23.86M · min. income ≈ HK$231,256/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,689,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,044
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$124,290
−HK$3,294/mo
Today · 4.125%
HK$127,584
baseline
▲ 0.50% · 4.625%
HK$134,309
+HK$6,725/mo
Deposit HK$15.91M · loan HK$23.86M · min. income ≈ HK$255,168/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,689,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,939
−HK$7,960/mo
▼ 0.25% · 3.875%
HK$130,887
−HK$4,012/mo
Today · 4.125%
HK$134,899
baseline
▲ 0.50% · 4.625%
HK$143,107
+HK$8,208/mo
Deposit HK$11.93M · loan HK$27.83M · min. income ≈ HK$269,798/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,689,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,218
−HK$7,630/mo
▼ 0.25% · 3.875%
HK$145,005
−HK$3,843/mo
Today · 4.125%
HK$148,848
baseline
▲ 0.50% · 4.625%
HK$156,694
+HK$7,846/mo
Deposit HK$11.93M · loan HK$27.83M · min. income ≈ HK$297,696/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,689,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,207
−HK$10,234/mo
▼ 0.25% · 3.875%
HK$168,284
−HK$5,157/mo
Today · 4.125%
HK$173,441
baseline
▲ 0.50% · 4.625%
HK$183,995
+HK$10,554/mo
Deposit HK$3.98M · loan HK$35.79M · min. income ≈ HK$346,882/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,689,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,566
−HK$9,810/mo
▼ 0.25% · 3.875%
HK$186,436
−HK$4,940/mo
Today · 4.125%
HK$191,376
baseline
▲ 0.50% · 4.625%
HK$201,463
+HK$10,087/mo
Deposit HK$3.98M · loan HK$35.79M · min. income ≈ HK$382,752/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,689,941 · Scale 2, in force from 26 Feb 2026)