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$90,705
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$93,527
−HK$2,866/mo
Today · 4.125%
HK$96,393
baseline
▲ 0.50% · 4.625%
HK$102,259
+HK$5,866/mo
Deposit HK$19.89M · loan HK$19.89M · min. income ≈ HK$192,786/mo (50% DSR)
Upfront cash ≈ HK$21.58M (deposit + AVD stamp duty HK$1,690,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,909
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$103,615
−HK$2,746/mo
Today · 4.125%
HK$106,361
baseline
▲ 0.50% · 4.625%
HK$111,967
+HK$5,606/mo
Deposit HK$19.89M · loan HK$19.89M · min. income ≈ HK$212,722/mo (50% DSR)
Upfront cash ≈ HK$21.58M (deposit + AVD stamp duty HK$1,690,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,846
−HK$6,826/mo
▼ 0.25% · 3.875%
HK$112,232
−HK$3,440/mo
Today · 4.125%
HK$115,672
baseline
▲ 0.50% · 4.625%
HK$122,710
+HK$7,038/mo
Deposit HK$15.91M · loan HK$23.87M · min. income ≈ HK$231,344/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,690,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,090
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$124,338
−HK$3,295/mo
Today · 4.125%
HK$127,633
baseline
▲ 0.50% · 4.625%
HK$134,360
+HK$6,727/mo
Deposit HK$15.91M · loan HK$23.87M · min. income ≈ HK$255,266/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,690,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,987
−HK$7,964/mo
▼ 0.25% · 3.875%
HK$130,937
−HK$4,014/mo
Today · 4.125%
HK$134,951
baseline
▲ 0.50% · 4.625%
HK$143,162
+HK$8,211/mo
Deposit HK$11.93M · loan HK$27.84M · min. income ≈ HK$269,902/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,690,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,272
−HK$7,633/mo
▼ 0.25% · 3.875%
HK$145,061
−HK$3,844/mo
Today · 4.125%
HK$148,905
baseline
▲ 0.50% · 4.625%
HK$156,754
+HK$7,849/mo
Deposit HK$11.93M · loan HK$27.84M · min. income ≈ HK$297,810/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,690,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,270
−HK$10,238/mo
▼ 0.25% · 3.875%
HK$168,348
−HK$5,160/mo
Today · 4.125%
HK$173,508
baseline
▲ 0.50% · 4.625%
HK$184,065
+HK$10,557/mo
Deposit HK$3.98M · loan HK$35.80M · min. income ≈ HK$347,016/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,690,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,636
−HK$9,813/mo
▼ 0.25% · 3.875%
HK$186,507
−HK$4,942/mo
Today · 4.125%
HK$191,449
baseline
▲ 0.50% · 4.625%
HK$201,540
+HK$10,091/mo
Deposit HK$3.98M · loan HK$35.80M · min. income ≈ HK$382,898/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,690,589 · Scale 2, in force from 26 Feb 2026)