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$90,761
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$93,585
−HK$2,868/mo
Today · 4.125%
HK$96,453
baseline
▲ 0.50% · 4.625%
HK$102,322
+HK$5,869/mo
Deposit HK$19.90M · loan HK$19.90M · min. income ≈ HK$192,906/mo (50% DSR)
Upfront cash ≈ HK$21.59M (deposit + AVD stamp duty HK$1,691,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,971
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$103,679
−HK$2,747/mo
Today · 4.125%
HK$106,426
baseline
▲ 0.50% · 4.625%
HK$112,036
+HK$5,610/mo
Deposit HK$19.90M · loan HK$19.90M · min. income ≈ HK$212,852/mo (50% DSR)
Upfront cash ≈ HK$21.59M (deposit + AVD stamp duty HK$1,691,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,914
−HK$6,830/mo
▼ 0.25% · 3.875%
HK$112,302
−HK$3,442/mo
Today · 4.125%
HK$115,744
baseline
▲ 0.50% · 4.625%
HK$122,786
+HK$7,042/mo
Deposit HK$15.92M · loan HK$23.88M · min. income ≈ HK$231,488/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,691,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,165
−HK$6,547/mo
▼ 0.25% · 3.875%
HK$124,415
−HK$3,297/mo
Today · 4.125%
HK$127,712
baseline
▲ 0.50% · 4.625%
HK$134,444
+HK$6,732/mo
Deposit HK$15.92M · loan HK$23.88M · min. income ≈ HK$255,424/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,691,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,066
−HK$7,968/mo
▼ 0.25% · 3.875%
HK$131,019
−HK$4,015/mo
Today · 4.125%
HK$135,034
baseline
▲ 0.50% · 4.625%
HK$143,251
+HK$8,217/mo
Deposit HK$11.94M · loan HK$27.86M · min. income ≈ HK$270,068/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,691,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,360
−HK$7,637/mo
▼ 0.25% · 3.875%
HK$145,151
−HK$3,846/mo
Today · 4.125%
HK$148,997
baseline
▲ 0.50% · 4.625%
HK$156,851
+HK$7,854/mo
Deposit HK$11.94M · loan HK$27.86M · min. income ≈ HK$297,994/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,691,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,371
−HK$10,244/mo
▼ 0.25% · 3.875%
HK$168,452
−HK$5,163/mo
Today · 4.125%
HK$173,615
baseline
▲ 0.50% · 4.625%
HK$184,179
+HK$10,564/mo
Deposit HK$3.98M · loan HK$35.82M · min. income ≈ HK$347,230/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,691,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,748
−HK$9,819/mo
▼ 0.25% · 3.875%
HK$186,623
−HK$4,944/mo
Today · 4.125%
HK$191,567
baseline
▲ 0.50% · 4.625%
HK$201,665
+HK$10,098/mo
Deposit HK$3.98M · loan HK$35.82M · min. income ≈ HK$383,134/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,691,636 · Scale 2, in force from 26 Feb 2026)