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$91,074
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$93,907
−HK$2,878/mo
Today · 4.125%
HK$96,785
baseline
▲ 0.50% · 4.625%
HK$102,674
+HK$5,889/mo
Deposit HK$19.97M · loan HK$19.97M · min. income ≈ HK$193,570/mo (50% DSR)
Upfront cash ≈ HK$21.67M (deposit + AVD stamp duty HK$1,697,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,319
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,036
−HK$2,757/mo
Today · 4.125%
HK$106,793
baseline
▲ 0.50% · 4.625%
HK$112,422
+HK$5,629/mo
Deposit HK$19.97M · loan HK$19.97M · min. income ≈ HK$213,586/mo (50% DSR)
Upfront cash ≈ HK$21.67M (deposit + AVD stamp duty HK$1,697,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,289
−HK$6,853/mo
▼ 0.25% · 3.875%
HK$112,689
−HK$3,453/mo
Today · 4.125%
HK$116,142
baseline
▲ 0.50% · 4.625%
HK$123,209
+HK$7,067/mo
Deposit HK$15.98M · loan HK$23.96M · min. income ≈ HK$232,284/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,697,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,583
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$124,844
−HK$3,308/mo
Today · 4.125%
HK$128,152
baseline
▲ 0.50% · 4.625%
HK$134,907
+HK$6,755/mo
Deposit HK$15.98M · loan HK$23.96M · min. income ≈ HK$256,304/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,697,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,504
−HK$7,995/mo
▼ 0.25% · 3.875%
HK$131,470
−HK$4,029/mo
Today · 4.125%
HK$135,499
baseline
▲ 0.50% · 4.625%
HK$143,744
+HK$8,245/mo
Deposit HK$11.98M · loan HK$27.96M · min. income ≈ HK$270,998/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,697,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,847
−HK$7,663/mo
▼ 0.25% · 3.875%
HK$145,651
−HK$3,859/mo
Today · 4.125%
HK$149,510
baseline
▲ 0.50% · 4.625%
HK$157,391
+HK$7,881/mo
Deposit HK$11.98M · loan HK$27.96M · min. income ≈ HK$299,020/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,697,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,933
−HK$10,281/mo
▼ 0.25% · 3.875%
HK$169,033
−HK$5,181/mo
Today · 4.125%
HK$174,214
baseline
▲ 0.50% · 4.625%
HK$184,814
+HK$10,600/mo
Deposit HK$3.99M · loan HK$35.95M · min. income ≈ HK$348,428/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,697,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,374
−HK$9,853/mo
▼ 0.25% · 3.875%
HK$187,266
−HK$4,961/mo
Today · 4.125%
HK$192,227
baseline
▲ 0.50% · 4.625%
HK$202,360
+HK$10,133/mo
Deposit HK$3.99M · loan HK$35.95M · min. income ≈ HK$384,454/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,697,464 · Scale 2, in force from 26 Feb 2026)