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$90,404
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$93,216
−HK$2,857/mo
Today · 4.125%
HK$96,073
baseline
▲ 0.50% · 4.625%
HK$101,919
+HK$5,846/mo
Deposit HK$19.82M · loan HK$19.82M · min. income ≈ HK$192,146/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$1,684,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,574
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$103,271
−HK$2,736/mo
Today · 4.125%
HK$106,007
baseline
▲ 0.50% · 4.625%
HK$111,595
+HK$5,588/mo
Deposit HK$19.82M · loan HK$19.82M · min. income ≈ HK$212,014/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$1,684,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,485
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$111,859
−HK$3,429/mo
Today · 4.125%
HK$115,288
baseline
▲ 0.50% · 4.625%
HK$122,303
+HK$7,015/mo
Deposit HK$15.86M · loan HK$23.79M · min. income ≈ HK$230,576/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,684,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,688
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$123,925
−HK$3,284/mo
Today · 4.125%
HK$127,209
baseline
▲ 0.50% · 4.625%
HK$133,914
+HK$6,705/mo
Deposit HK$15.86M · loan HK$23.79M · min. income ≈ HK$254,418/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,684,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,566
−HK$7,936/mo
▼ 0.25% · 3.875%
HK$130,503
−HK$3,999/mo
Today · 4.125%
HK$134,502
baseline
▲ 0.50% · 4.625%
HK$142,687
+HK$8,185/mo
Deposit HK$11.89M · loan HK$27.75M · min. income ≈ HK$269,004/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,684,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,803
−HK$7,607/mo
▼ 0.25% · 3.875%
HK$144,579
−HK$3,831/mo
Today · 4.125%
HK$148,410
baseline
▲ 0.50% · 4.625%
HK$156,233
+HK$7,823/mo
Deposit HK$11.89M · loan HK$27.75M · min. income ≈ HK$296,820/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,684,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,727
−HK$10,205/mo
▼ 0.25% · 3.875%
HK$167,789
−HK$5,143/mo
Today · 4.125%
HK$172,932
baseline
▲ 0.50% · 4.625%
HK$183,454
+HK$10,522/mo
Deposit HK$3.96M · loan HK$35.68M · min. income ≈ HK$345,864/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,684,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,032
−HK$9,781/mo
▼ 0.25% · 3.875%
HK$185,888
−HK$4,925/mo
Today · 4.125%
HK$190,813
baseline
▲ 0.50% · 4.625%
HK$200,871
+HK$10,058/mo
Deposit HK$3.96M · loan HK$35.68M · min. income ≈ HK$381,626/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,684,974 · Scale 2, in force from 26 Feb 2026)