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$90,670
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$93,490
−HK$2,866/mo
Today · 4.125%
HK$96,356
baseline
▲ 0.50% · 4.625%
HK$102,219
+HK$5,863/mo
Deposit HK$19.88M · loan HK$19.88M · min. income ≈ HK$192,712/mo (50% DSR)
Upfront cash ≈ HK$21.57M (deposit + AVD stamp duty HK$1,689,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,869
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$103,575
−HK$2,744/mo
Today · 4.125%
HK$106,319
baseline
▲ 0.50% · 4.625%
HK$111,923
+HK$5,604/mo
Deposit HK$19.88M · loan HK$19.88M · min. income ≈ HK$212,638/mo (50% DSR)
Upfront cash ≈ HK$21.57M (deposit + AVD stamp duty HK$1,689,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,804
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$112,188
−HK$3,439/mo
Today · 4.125%
HK$115,627
baseline
▲ 0.50% · 4.625%
HK$122,662
+HK$7,035/mo
Deposit HK$15.91M · loan HK$23.86M · min. income ≈ HK$231,254/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,689,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,043
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$124,289
−HK$3,294/mo
Today · 4.125%
HK$127,583
baseline
▲ 0.50% · 4.625%
HK$134,308
+HK$6,725/mo
Deposit HK$15.91M · loan HK$23.86M · min. income ≈ HK$255,166/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,689,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,938
−HK$7,960/mo
▼ 0.25% · 3.875%
HK$130,886
−HK$4,012/mo
Today · 4.125%
HK$134,898
baseline
▲ 0.50% · 4.625%
HK$143,106
+HK$8,208/mo
Deposit HK$11.93M · loan HK$27.83M · min. income ≈ HK$269,796/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,689,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,217
−HK$7,629/mo
▼ 0.25% · 3.875%
HK$145,004
−HK$3,842/mo
Today · 4.125%
HK$148,846
baseline
▲ 0.50% · 4.625%
HK$156,692
+HK$7,846/mo
Deposit HK$11.93M · loan HK$27.83M · min. income ≈ HK$297,692/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,689,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,206
−HK$10,234/mo
▼ 0.25% · 3.875%
HK$168,282
−HK$5,158/mo
Today · 4.125%
HK$173,440
baseline
▲ 0.50% · 4.625%
HK$183,994
+HK$10,554/mo
Deposit HK$3.98M · loan HK$35.79M · min. income ≈ HK$346,880/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,689,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,565
−HK$9,809/mo
▼ 0.25% · 3.875%
HK$186,434
−HK$4,940/mo
Today · 4.125%
HK$191,374
baseline
▲ 0.50% · 4.625%
HK$201,462
+HK$10,088/mo
Deposit HK$3.98M · loan HK$35.79M · min. income ≈ HK$382,748/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,689,928 · Scale 2, in force from 26 Feb 2026)