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$90,784
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$93,607
−HK$2,869/mo
Today · 4.125%
HK$96,476
baseline
▲ 0.50% · 4.625%
HK$102,347
+HK$5,871/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$192,952/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$1,692,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,996
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$103,704
−HK$2,748/mo
Today · 4.125%
HK$106,452
baseline
▲ 0.50% · 4.625%
HK$112,064
+HK$5,612/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$212,904/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$1,692,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,940
−HK$6,832/mo
▼ 0.25% · 3.875%
HK$112,329
−HK$3,443/mo
Today · 4.125%
HK$115,772
baseline
▲ 0.50% · 4.625%
HK$122,816
+HK$7,044/mo
Deposit HK$15.93M · loan HK$23.89M · min. income ≈ HK$231,544/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,692,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,195
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$124,445
−HK$3,298/mo
Today · 4.125%
HK$127,743
baseline
▲ 0.50% · 4.625%
HK$134,476
+HK$6,733/mo
Deposit HK$15.93M · loan HK$23.89M · min. income ≈ HK$255,486/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,692,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,097
−HK$7,970/mo
▼ 0.25% · 3.875%
HK$131,050
−HK$4,017/mo
Today · 4.125%
HK$135,067
baseline
▲ 0.50% · 4.625%
HK$143,286
+HK$8,219/mo
Deposit HK$11.94M · loan HK$27.87M · min. income ≈ HK$270,134/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,394
−HK$7,639/mo
▼ 0.25% · 3.875%
HK$145,186
−HK$3,847/mo
Today · 4.125%
HK$149,033
baseline
▲ 0.50% · 4.625%
HK$156,889
+HK$7,856/mo
Deposit HK$11.94M · loan HK$27.87M · min. income ≈ HK$298,066/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,410
−HK$10,248/mo
▼ 0.25% · 3.875%
HK$168,493
−HK$5,165/mo
Today · 4.125%
HK$173,658
baseline
▲ 0.50% · 4.625%
HK$184,224
+HK$10,566/mo
Deposit HK$3.98M · loan HK$35.83M · min. income ≈ HK$347,316/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,692,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,792
−HK$9,822/mo
▼ 0.25% · 3.875%
HK$186,668
−HK$4,946/mo
Today · 4.125%
HK$191,614
baseline
▲ 0.50% · 4.625%
HK$201,714
+HK$10,100/mo
Deposit HK$3.98M · loan HK$35.83M · min. income ≈ HK$383,228/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,692,047 · Scale 2, in force from 26 Feb 2026)