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$90,996
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,827
−HK$2,875/mo
Today · 4.125%
HK$96,702
baseline
▲ 0.50% · 4.625%
HK$102,587
+HK$5,885/mo
Deposit HK$19.95M · loan HK$19.95M · min. income ≈ HK$193,404/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$1,696,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,232
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$103,947
−HK$2,755/mo
Today · 4.125%
HK$106,702
baseline
▲ 0.50% · 4.625%
HK$112,326
+HK$5,624/mo
Deposit HK$19.95M · loan HK$19.95M · min. income ≈ HK$213,404/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$1,696,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,195
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$112,592
−HK$3,451/mo
Today · 4.125%
HK$116,043
baseline
▲ 0.50% · 4.625%
HK$123,104
+HK$7,061/mo
Deposit HK$15.96M · loan HK$23.94M · min. income ≈ HK$232,086/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,696,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,479
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$124,737
−HK$3,305/mo
Today · 4.125%
HK$128,042
baseline
▲ 0.50% · 4.625%
HK$134,791
+HK$6,749/mo
Deposit HK$15.96M · loan HK$23.94M · min. income ≈ HK$256,084/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,696,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,395
−HK$7,988/mo
▼ 0.25% · 3.875%
HK$131,357
−HK$4,026/mo
Today · 4.125%
HK$135,383
baseline
▲ 0.50% · 4.625%
HK$143,621
+HK$8,238/mo
Deposit HK$11.97M · loan HK$27.93M · min. income ≈ HK$270,766/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,696,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,725
−HK$7,657/mo
▼ 0.25% · 3.875%
HK$145,526
−HK$3,856/mo
Today · 4.125%
HK$149,382
baseline
▲ 0.50% · 4.625%
HK$157,256
+HK$7,874/mo
Deposit HK$11.97M · loan HK$27.93M · min. income ≈ HK$298,764/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,696,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,793
−HK$10,271/mo
▼ 0.25% · 3.875%
HK$168,888
−HK$5,176/mo
Today · 4.125%
HK$174,064
baseline
▲ 0.50% · 4.625%
HK$184,656
+HK$10,592/mo
Deposit HK$3.99M · loan HK$35.92M · min. income ≈ HK$348,128/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,696,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,218
−HK$9,845/mo
▼ 0.25% · 3.875%
HK$187,105
−HK$4,958/mo
Today · 4.125%
HK$192,063
baseline
▲ 0.50% · 4.625%
HK$202,187
+HK$10,124/mo
Deposit HK$3.99M · loan HK$35.92M · min. income ≈ HK$384,126/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,696,010 · Scale 2, in force from 26 Feb 2026)