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$90,572
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$93,389
−HK$2,863/mo
Today · 4.125%
HK$96,252
baseline
▲ 0.50% · 4.625%
HK$102,108
+HK$5,856/mo
Deposit HK$19.86M · loan HK$19.86M · min. income ≈ HK$192,504/mo (50% DSR)
Upfront cash ≈ HK$21.55M (deposit + AVD stamp duty HK$1,688,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,761
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$103,463
−HK$2,741/mo
Today · 4.125%
HK$106,204
baseline
▲ 0.50% · 4.625%
HK$111,802
+HK$5,598/mo
Deposit HK$19.86M · loan HK$19.86M · min. income ≈ HK$212,408/mo (50% DSR)
Upfront cash ≈ HK$21.55M (deposit + AVD stamp duty HK$1,688,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,686
−HK$6,816/mo
▼ 0.25% · 3.875%
HK$112,067
−HK$3,435/mo
Today · 4.125%
HK$115,502
baseline
▲ 0.50% · 4.625%
HK$122,530
+HK$7,028/mo
Deposit HK$15.89M · loan HK$23.83M · min. income ≈ HK$231,004/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,688,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,913
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$124,155
−HK$3,290/mo
Today · 4.125%
HK$127,445
baseline
▲ 0.50% · 4.625%
HK$134,163
+HK$6,718/mo
Deposit HK$15.89M · loan HK$23.83M · min. income ≈ HK$254,890/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,688,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,801
−HK$7,951/mo
▼ 0.25% · 3.875%
HK$130,745
−HK$4,007/mo
Today · 4.125%
HK$134,752
baseline
▲ 0.50% · 4.625%
HK$142,952
+HK$8,200/mo
Deposit HK$11.92M · loan HK$27.80M · min. income ≈ HK$269,504/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,688,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,065
−HK$7,621/mo
▼ 0.25% · 3.875%
HK$144,848
−HK$3,838/mo
Today · 4.125%
HK$148,686
baseline
▲ 0.50% · 4.625%
HK$156,523
+HK$7,837/mo
Deposit HK$11.92M · loan HK$27.80M · min. income ≈ HK$297,372/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,688,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,030
−HK$10,223/mo
▼ 0.25% · 3.875%
HK$168,101
−HK$5,152/mo
Today · 4.125%
HK$173,253
baseline
▲ 0.50% · 4.625%
HK$183,795
+HK$10,542/mo
Deposit HK$3.97M · loan HK$35.75M · min. income ≈ HK$346,506/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,688,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,369
−HK$9,799/mo
▼ 0.25% · 3.875%
HK$186,233
−HK$4,935/mo
Today · 4.125%
HK$191,168
baseline
▲ 0.50% · 4.625%
HK$201,244
+HK$10,076/mo
Deposit HK$3.97M · loan HK$35.75M · min. income ≈ HK$382,336/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,688,106 · Scale 2, in force from 26 Feb 2026)