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$90,935
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$93,764
−HK$2,874/mo
Today · 4.125%
HK$96,638
baseline
▲ 0.50% · 4.625%
HK$102,518
+HK$5,880/mo
Deposit HK$19.94M · loan HK$19.94M · min. income ≈ HK$193,276/mo (50% DSR)
Upfront cash ≈ HK$21.63M (deposit + AVD stamp duty HK$1,694,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,165
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$103,878
−HK$2,752/mo
Today · 4.125%
HK$106,630
baseline
▲ 0.50% · 4.625%
HK$112,251
+HK$5,621/mo
Deposit HK$19.94M · loan HK$19.94M · min. income ≈ HK$213,260/mo (50% DSR)
Upfront cash ≈ HK$21.63M (deposit + AVD stamp duty HK$1,694,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,122
−HK$6,843/mo
▼ 0.25% · 3.875%
HK$112,517
−HK$3,448/mo
Today · 4.125%
HK$115,965
baseline
▲ 0.50% · 4.625%
HK$123,021
+HK$7,056/mo
Deposit HK$15.95M · loan HK$23.93M · min. income ≈ HK$231,930/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,694,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,397
−HK$6,559/mo
▼ 0.25% · 3.875%
HK$124,653
−HK$3,303/mo
Today · 4.125%
HK$127,956
baseline
▲ 0.50% · 4.625%
HK$134,701
+HK$6,745/mo
Deposit HK$15.95M · loan HK$23.93M · min. income ≈ HK$255,912/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,694,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,309
−HK$7,984/mo
▼ 0.25% · 3.875%
HK$131,269
−HK$4,024/mo
Today · 4.125%
HK$135,293
baseline
▲ 0.50% · 4.625%
HK$143,525
+HK$8,232/mo
Deposit HK$11.96M · loan HK$27.92M · min. income ≈ HK$270,586/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,694,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,630
−HK$7,652/mo
▼ 0.25% · 3.875%
HK$145,429
−HK$3,853/mo
Today · 4.125%
HK$149,282
baseline
▲ 0.50% · 4.625%
HK$157,151
+HK$7,869/mo
Deposit HK$11.96M · loan HK$27.92M · min. income ≈ HK$298,564/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,694,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,683
−HK$10,265/mo
▼ 0.25% · 3.875%
HK$168,775
−HK$5,173/mo
Today · 4.125%
HK$173,948
baseline
▲ 0.50% · 4.625%
HK$184,532
+HK$10,584/mo
Deposit HK$3.99M · loan HK$35.89M · min. income ≈ HK$347,896/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,694,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,096
−HK$9,838/mo
▼ 0.25% · 3.875%
HK$186,980
−HK$4,954/mo
Today · 4.125%
HK$191,934
baseline
▲ 0.50% · 4.625%
HK$202,051
+HK$10,117/mo
Deposit HK$3.99M · loan HK$35.89M · min. income ≈ HK$383,868/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,694,874 · Scale 2, in force from 26 Feb 2026)