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$90,841
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$93,667
−HK$2,871/mo
Today · 4.125%
HK$96,538
baseline
▲ 0.50% · 4.625%
HK$102,412
+HK$5,874/mo
Deposit HK$19.92M · loan HK$19.92M · min. income ≈ HK$193,076/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$1,693,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,060
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,770
−HK$2,750/mo
Today · 4.125%
HK$106,520
baseline
▲ 0.50% · 4.625%
HK$112,135
+HK$5,615/mo
Deposit HK$19.92M · loan HK$19.92M · min. income ≈ HK$213,040/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$1,693,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,009
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$112,400
−HK$3,445/mo
Today · 4.125%
HK$115,845
baseline
▲ 0.50% · 4.625%
HK$122,894
+HK$7,049/mo
Deposit HK$15.94M · loan HK$23.90M · min. income ≈ HK$231,690/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,693,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,272
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$124,524
−HK$3,300/mo
Today · 4.125%
HK$127,824
baseline
▲ 0.50% · 4.625%
HK$134,562
+HK$6,738/mo
Deposit HK$15.94M · loan HK$23.90M · min. income ≈ HK$255,648/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,693,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,178
−HK$7,975/mo
▼ 0.25% · 3.875%
HK$131,134
−HK$4,019/mo
Today · 4.125%
HK$135,153
baseline
▲ 0.50% · 4.625%
HK$143,377
+HK$8,224/mo
Deposit HK$11.95M · loan HK$27.89M · min. income ≈ HK$270,306/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,693,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,484
−HK$7,644/mo
▼ 0.25% · 3.875%
HK$145,278
−HK$3,850/mo
Today · 4.125%
HK$149,128
baseline
▲ 0.50% · 4.625%
HK$156,989
+HK$7,861/mo
Deposit HK$11.95M · loan HK$27.89M · min. income ≈ HK$298,256/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,693,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,514
−HK$10,254/mo
▼ 0.25% · 3.875%
HK$168,600
−HK$5,168/mo
Today · 4.125%
HK$173,768
baseline
▲ 0.50% · 4.625%
HK$184,341
+HK$10,573/mo
Deposit HK$3.98M · loan HK$35.85M · min. income ≈ HK$347,536/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,693,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,908
−HK$9,828/mo
▼ 0.25% · 3.875%
HK$186,787
−HK$4,949/mo
Today · 4.125%
HK$191,736
baseline
▲ 0.50% · 4.625%
HK$201,843
+HK$10,107/mo
Deposit HK$3.98M · loan HK$35.85M · min. income ≈ HK$383,472/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,693,123 · Scale 2, in force from 26 Feb 2026)