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$90,475
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$93,289
−HK$2,859/mo
Today · 4.125%
HK$96,148
baseline
▲ 0.50% · 4.625%
HK$101,999
+HK$5,851/mo
Deposit HK$19.84M · loan HK$19.84M · min. income ≈ HK$192,296/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$1,686,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,652
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$103,352
−HK$2,738/mo
Today · 4.125%
HK$106,090
baseline
▲ 0.50% · 4.625%
HK$111,682
+HK$5,592/mo
Deposit HK$19.84M · loan HK$19.84M · min. income ≈ HK$212,180/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$1,686,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,570
−HK$6,808/mo
▼ 0.25% · 3.875%
HK$111,947
−HK$3,431/mo
Today · 4.125%
HK$115,378
baseline
▲ 0.50% · 4.625%
HK$122,399
+HK$7,021/mo
Deposit HK$15.87M · loan HK$23.81M · min. income ≈ HK$230,756/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,686,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,783
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$124,022
−HK$3,286/mo
Today · 4.125%
HK$127,308
baseline
▲ 0.50% · 4.625%
HK$134,019
+HK$6,711/mo
Deposit HK$15.87M · loan HK$23.81M · min. income ≈ HK$254,616/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,686,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,665
−HK$7,943/mo
▼ 0.25% · 3.875%
HK$130,605
−HK$4,003/mo
Today · 4.125%
HK$134,608
baseline
▲ 0.50% · 4.625%
HK$142,798
+HK$8,190/mo
Deposit HK$11.90M · loan HK$27.77M · min. income ≈ HK$269,216/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,686,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,913
−HK$7,613/mo
▼ 0.25% · 3.875%
HK$144,693
−HK$3,833/mo
Today · 4.125%
HK$148,526
baseline
▲ 0.50% · 4.625%
HK$156,355
+HK$7,829/mo
Deposit HK$11.90M · loan HK$27.77M · min. income ≈ HK$297,052/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,686,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,855
−HK$10,212/mo
▼ 0.25% · 3.875%
HK$167,920
−HK$5,147/mo
Today · 4.125%
HK$173,067
baseline
▲ 0.50% · 4.625%
HK$183,598
+HK$10,531/mo
Deposit HK$3.97M · loan HK$35.71M · min. income ≈ HK$346,134/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,686,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,174
−HK$9,789/mo
▼ 0.25% · 3.875%
HK$186,033
−HK$4,930/mo
Today · 4.125%
HK$190,963
baseline
▲ 0.50% · 4.625%
HK$201,028
+HK$10,065/mo
Deposit HK$3.97M · loan HK$35.71M · min. income ≈ HK$381,926/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,686,293 · Scale 2, in force from 26 Feb 2026)