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$90,819
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$93,644
−HK$2,870/mo
Today · 4.125%
HK$96,514
baseline
▲ 0.50% · 4.625%
HK$102,387
+HK$5,873/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$193,028/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$1,692,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,036
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$103,745
−HK$2,749/mo
Today · 4.125%
HK$106,494
baseline
▲ 0.50% · 4.625%
HK$112,108
+HK$5,614/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$212,988/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$1,692,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,983
−HK$6,834/mo
▼ 0.25% · 3.875%
HK$112,373
−HK$3,444/mo
Today · 4.125%
HK$115,817
baseline
▲ 0.50% · 4.625%
HK$122,865
+HK$7,048/mo
Deposit HK$15.93M · loan HK$23.90M · min. income ≈ HK$231,634/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,692,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,243
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$124,494
−HK$3,299/mo
Today · 4.125%
HK$127,793
baseline
▲ 0.50% · 4.625%
HK$134,529
+HK$6,736/mo
Deposit HK$15.93M · loan HK$23.90M · min. income ≈ HK$255,586/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,692,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,147
−HK$7,973/mo
▼ 0.25% · 3.875%
HK$131,102
−HK$4,018/mo
Today · 4.125%
HK$135,120
baseline
▲ 0.50% · 4.625%
HK$143,342
+HK$8,222/mo
Deposit HK$11.95M · loan HK$27.88M · min. income ≈ HK$270,240/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,450
−HK$7,642/mo
▼ 0.25% · 3.875%
HK$145,243
−HK$3,849/mo
Today · 4.125%
HK$149,092
baseline
▲ 0.50% · 4.625%
HK$156,951
+HK$7,859/mo
Deposit HK$11.95M · loan HK$27.88M · min. income ≈ HK$298,184/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,475
−HK$10,251/mo
▼ 0.25% · 3.875%
HK$168,560
−HK$5,166/mo
Today · 4.125%
HK$173,726
baseline
▲ 0.50% · 4.625%
HK$184,297
+HK$10,571/mo
Deposit HK$3.98M · loan HK$35.85M · min. income ≈ HK$347,452/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,692,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,864
−HK$9,826/mo
▼ 0.25% · 3.875%
HK$186,741
−HK$4,949/mo
Today · 4.125%
HK$191,690
baseline
▲ 0.50% · 4.625%
HK$201,794
+HK$10,104/mo
Deposit HK$3.98M · loan HK$35.85M · min. income ≈ HK$383,380/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,692,713 · Scale 2, in force from 26 Feb 2026)