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$90,530
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$93,346
−HK$2,861/mo
Today · 4.125%
HK$96,207
baseline
▲ 0.50% · 4.625%
HK$102,061
+HK$5,854/mo
Deposit HK$19.85M · loan HK$19.85M · min. income ≈ HK$192,414/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$1,687,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,713
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$103,415
−HK$2,740/mo
Today · 4.125%
HK$106,155
baseline
▲ 0.50% · 4.625%
HK$111,750
+HK$5,595/mo
Deposit HK$19.85M · loan HK$19.85M · min. income ≈ HK$212,310/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$1,687,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,636
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$112,015
−HK$3,433/mo
Today · 4.125%
HK$115,448
baseline
▲ 0.50% · 4.625%
HK$122,473
+HK$7,025/mo
Deposit HK$15.88M · loan HK$23.82M · min. income ≈ HK$230,896/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,687,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,856
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$124,097
−HK$3,289/mo
Today · 4.125%
HK$127,386
baseline
▲ 0.50% · 4.625%
HK$134,100
+HK$6,714/mo
Deposit HK$15.88M · loan HK$23.82M · min. income ≈ HK$254,772/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,687,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,742
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$130,684
−HK$4,005/mo
Today · 4.125%
HK$134,689
baseline
▲ 0.50% · 4.625%
HK$142,885
+HK$8,196/mo
Deposit HK$11.91M · loan HK$27.79M · min. income ≈ HK$269,378/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,687,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,999
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$144,780
−HK$3,837/mo
Today · 4.125%
HK$148,617
baseline
▲ 0.50% · 4.625%
HK$156,450
+HK$7,833/mo
Deposit HK$11.91M · loan HK$27.79M · min. income ≈ HK$297,234/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,687,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,954
−HK$10,218/mo
▼ 0.25% · 3.875%
HK$168,022
−HK$5,150/mo
Today · 4.125%
HK$173,172
baseline
▲ 0.50% · 4.625%
HK$183,709
+HK$10,537/mo
Deposit HK$3.97M · loan HK$35.73M · min. income ≈ HK$346,344/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,687,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,284
−HK$9,794/mo
▼ 0.25% · 3.875%
HK$186,146
−HK$4,932/mo
Today · 4.125%
HK$191,078
baseline
▲ 0.50% · 4.625%
HK$201,150
+HK$10,072/mo
Deposit HK$3.97M · loan HK$35.73M · min. income ≈ HK$382,156/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,687,317 · Scale 2, in force from 26 Feb 2026)