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$90,512
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$93,328
−HK$2,860/mo
Today · 4.125%
HK$96,188
baseline
▲ 0.50% · 4.625%
HK$102,041
+HK$5,853/mo
Deposit HK$19.85M · loan HK$19.85M · min. income ≈ HK$192,376/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$1,686,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,694
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$103,395
−HK$2,739/mo
Today · 4.125%
HK$106,134
baseline
▲ 0.50% · 4.625%
HK$111,729
+HK$5,595/mo
Deposit HK$19.85M · loan HK$19.85M · min. income ≈ HK$212,268/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$1,686,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,615
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$111,994
−HK$3,432/mo
Today · 4.125%
HK$115,426
baseline
▲ 0.50% · 4.625%
HK$122,449
+HK$7,023/mo
Deposit HK$15.88M · loan HK$23.82M · min. income ≈ HK$230,852/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,686,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,833
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$124,074
−HK$3,287/mo
Today · 4.125%
HK$127,361
baseline
▲ 0.50% · 4.625%
HK$134,075
+HK$6,714/mo
Deposit HK$15.88M · loan HK$23.82M · min. income ≈ HK$254,722/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,686,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,717
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$130,659
−HK$4,005/mo
Today · 4.125%
HK$134,664
baseline
▲ 0.50% · 4.625%
HK$142,858
+HK$8,194/mo
Deposit HK$11.91M · loan HK$27.79M · min. income ≈ HK$269,328/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,686,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,972
−HK$7,616/mo
▼ 0.25% · 3.875%
HK$144,753
−HK$3,835/mo
Today · 4.125%
HK$148,588
baseline
▲ 0.50% · 4.625%
HK$156,420
+HK$7,832/mo
Deposit HK$11.91M · loan HK$27.79M · min. income ≈ HK$297,176/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,686,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,922
−HK$10,217/mo
▼ 0.25% · 3.875%
HK$167,990
−HK$5,149/mo
Today · 4.125%
HK$173,139
baseline
▲ 0.50% · 4.625%
HK$183,674
+HK$10,535/mo
Deposit HK$3.97M · loan HK$35.72M · min. income ≈ HK$346,278/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,686,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,250
−HK$9,792/mo
▼ 0.25% · 3.875%
HK$186,111
−HK$4,931/mo
Today · 4.125%
HK$191,042
baseline
▲ 0.50% · 4.625%
HK$201,112
+HK$10,070/mo
Deposit HK$3.97M · loan HK$35.72M · min. income ≈ HK$382,084/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,686,995 · Scale 2, in force from 26 Feb 2026)