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$91,149
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$93,985
−HK$2,880/mo
Today · 4.125%
HK$96,865
baseline
▲ 0.50% · 4.625%
HK$102,759
+HK$5,894/mo
Deposit HK$19.99M · loan HK$19.99M · min. income ≈ HK$193,730/mo (50% DSR)
Upfront cash ≈ HK$21.69M (deposit + AVD stamp duty HK$1,698,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,403
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$104,122
−HK$2,759/mo
Today · 4.125%
HK$106,881
baseline
▲ 0.50% · 4.625%
HK$112,515
+HK$5,634/mo
Deposit HK$19.99M · loan HK$19.99M · min. income ≈ HK$213,762/mo (50% DSR)
Upfront cash ≈ HK$21.69M (deposit + AVD stamp duty HK$1,698,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,379
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$112,782
−HK$3,456/mo
Today · 4.125%
HK$116,238
baseline
▲ 0.50% · 4.625%
HK$123,311
+HK$7,073/mo
Deposit HK$15.99M · loan HK$23.98M · min. income ≈ HK$232,476/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,698,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,683
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$124,947
−HK$3,310/mo
Today · 4.125%
HK$128,257
baseline
▲ 0.50% · 4.625%
HK$135,018
+HK$6,761/mo
Deposit HK$15.99M · loan HK$23.98M · min. income ≈ HK$256,514/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,698,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,609
−HK$8,002/mo
▼ 0.25% · 3.875%
HK$131,578
−HK$4,033/mo
Today · 4.125%
HK$135,611
baseline
▲ 0.50% · 4.625%
HK$143,863
+HK$8,252/mo
Deposit HK$11.99M · loan HK$27.98M · min. income ≈ HK$271,222/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,698,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,964
−HK$7,670/mo
▼ 0.25% · 3.875%
HK$145,771
−HK$3,863/mo
Today · 4.125%
HK$149,634
baseline
▲ 0.50% · 4.625%
HK$157,521
+HK$7,887/mo
Deposit HK$11.99M · loan HK$27.98M · min. income ≈ HK$299,268/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,698,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,069
−HK$10,288/mo
▼ 0.25% · 3.875%
HK$169,172
−HK$5,185/mo
Today · 4.125%
HK$174,357
baseline
▲ 0.50% · 4.625%
HK$184,967
+HK$10,610/mo
Deposit HK$4.00M · loan HK$35.98M · min. income ≈ HK$348,714/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,698,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,525
−HK$9,861/mo
▼ 0.25% · 3.875%
HK$187,420
−HK$4,966/mo
Today · 4.125%
HK$192,386
baseline
▲ 0.50% · 4.625%
HK$202,527
+HK$10,141/mo
Deposit HK$4.00M · loan HK$35.98M · min. income ≈ HK$384,772/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,698,865 · Scale 2, in force from 26 Feb 2026)