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$90,972
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$93,802
−HK$2,875/mo
Today · 4.125%
HK$96,677
baseline
▲ 0.50% · 4.625%
HK$102,560
+HK$5,883/mo
Deposit HK$19.95M · loan HK$19.95M · min. income ≈ HK$193,354/mo (50% DSR)
Upfront cash ≈ HK$21.64M (deposit + AVD stamp duty HK$1,695,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,206
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$103,920
−HK$2,754/mo
Today · 4.125%
HK$106,674
baseline
▲ 0.50% · 4.625%
HK$112,297
+HK$5,623/mo
Deposit HK$19.95M · loan HK$19.95M · min. income ≈ HK$213,348/mo (50% DSR)
Upfront cash ≈ HK$21.64M (deposit + AVD stamp duty HK$1,695,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,167
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$112,563
−HK$3,450/mo
Today · 4.125%
HK$116,013
baseline
▲ 0.50% · 4.625%
HK$123,072
+HK$7,059/mo
Deposit HK$15.96M · loan HK$23.94M · min. income ≈ HK$232,026/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,695,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,447
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$124,704
−HK$3,305/mo
Today · 4.125%
HK$128,009
baseline
▲ 0.50% · 4.625%
HK$134,756
+HK$6,747/mo
Deposit HK$15.96M · loan HK$23.94M · min. income ≈ HK$256,018/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,695,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,361
−HK$7,987/mo
▼ 0.25% · 3.875%
HK$131,323
−HK$4,025/mo
Today · 4.125%
HK$135,348
baseline
▲ 0.50% · 4.625%
HK$143,584
+HK$8,236/mo
Deposit HK$11.97M · loan HK$27.93M · min. income ≈ HK$270,696/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,695,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,688
−HK$7,655/mo
▼ 0.25% · 3.875%
HK$145,488
−HK$3,855/mo
Today · 4.125%
HK$149,343
baseline
▲ 0.50% · 4.625%
HK$157,215
+HK$7,872/mo
Deposit HK$11.97M · loan HK$27.93M · min. income ≈ HK$298,686/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,695,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,750
−HK$10,269/mo
▼ 0.25% · 3.875%
HK$168,844
−HK$5,175/mo
Today · 4.125%
HK$174,019
baseline
▲ 0.50% · 4.625%
HK$184,608
+HK$10,589/mo
Deposit HK$3.99M · loan HK$35.91M · min. income ≈ HK$348,038/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,695,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,171
−HK$9,842/mo
▼ 0.25% · 3.875%
HK$187,056
−HK$4,957/mo
Today · 4.125%
HK$192,013
baseline
▲ 0.50% · 4.625%
HK$202,134
+HK$10,121/mo
Deposit HK$3.99M · loan HK$35.91M · min. income ≈ HK$384,026/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,695,569 · Scale 2, in force from 26 Feb 2026)