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$90,900
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$93,728
−HK$2,872/mo
Today · 4.125%
HK$96,600
baseline
▲ 0.50% · 4.625%
HK$102,478
+HK$5,878/mo
Deposit HK$19.93M · loan HK$19.93M · min. income ≈ HK$193,200/mo (50% DSR)
Upfront cash ≈ HK$21.63M (deposit + AVD stamp duty HK$1,694,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,125
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$103,838
−HK$2,751/mo
Today · 4.125%
HK$106,589
baseline
▲ 0.50% · 4.625%
HK$112,207
+HK$5,618/mo
Deposit HK$19.93M · loan HK$19.93M · min. income ≈ HK$213,178/mo (50% DSR)
Upfront cash ≈ HK$21.63M (deposit + AVD stamp duty HK$1,694,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,080
−HK$6,840/mo
▼ 0.25% · 3.875%
HK$112,473
−HK$3,447/mo
Today · 4.125%
HK$115,920
baseline
▲ 0.50% · 4.625%
HK$122,974
+HK$7,054/mo
Deposit HK$15.95M · loan HK$23.92M · min. income ≈ HK$231,840/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,694,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,351
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$124,605
−HK$3,302/mo
Today · 4.125%
HK$127,907
baseline
▲ 0.50% · 4.625%
HK$134,649
+HK$6,742/mo
Deposit HK$15.95M · loan HK$23.92M · min. income ≈ HK$255,814/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,694,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,260
−HK$7,980/mo
▼ 0.25% · 3.875%
HK$131,219
−HK$4,021/mo
Today · 4.125%
HK$135,240
baseline
▲ 0.50% · 4.625%
HK$143,470
+HK$8,230/mo
Deposit HK$11.96M · loan HK$27.90M · min. income ≈ HK$270,480/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,694,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,576
−HK$7,649/mo
▼ 0.25% · 3.875%
HK$145,373
−HK$3,852/mo
Today · 4.125%
HK$149,225
baseline
▲ 0.50% · 4.625%
HK$157,090
+HK$7,865/mo
Deposit HK$11.96M · loan HK$27.90M · min. income ≈ HK$298,450/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,694,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,620
−HK$10,261/mo
▼ 0.25% · 3.875%
HK$168,710
−HK$5,171/mo
Today · 4.125%
HK$173,881
baseline
▲ 0.50% · 4.625%
HK$184,461
+HK$10,580/mo
Deposit HK$3.99M · loan HK$35.88M · min. income ≈ HK$347,762/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,694,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,026
−HK$9,834/mo
▼ 0.25% · 3.875%
HK$186,908
−HK$4,952/mo
Today · 4.125%
HK$191,860
baseline
▲ 0.50% · 4.625%
HK$201,973
+HK$10,113/mo
Deposit HK$3.99M · loan HK$35.88M · min. income ≈ HK$383,720/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,694,220 · Scale 2, in force from 26 Feb 2026)