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$90,699
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$93,521
−HK$2,866/mo
Today · 4.125%
HK$96,387
baseline
▲ 0.50% · 4.625%
HK$102,252
+HK$5,865/mo
Deposit HK$19.89M · loan HK$19.89M · min. income ≈ HK$192,774/mo (50% DSR)
Upfront cash ≈ HK$21.58M (deposit + AVD stamp duty HK$1,690,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,902
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$103,608
−HK$2,746/mo
Today · 4.125%
HK$106,354
baseline
▲ 0.50% · 4.625%
HK$111,960
+HK$5,606/mo
Deposit HK$19.89M · loan HK$19.89M · min. income ≈ HK$212,708/mo (50% DSR)
Upfront cash ≈ HK$21.58M (deposit + AVD stamp duty HK$1,690,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,839
−HK$6,826/mo
▼ 0.25% · 3.875%
HK$112,225
−HK$3,440/mo
Today · 4.125%
HK$115,665
baseline
▲ 0.50% · 4.625%
HK$122,702
+HK$7,037/mo
Deposit HK$15.91M · loan HK$23.87M · min. income ≈ HK$231,330/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,690,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,083
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$124,330
−HK$3,294/mo
Today · 4.125%
HK$127,624
baseline
▲ 0.50% · 4.625%
HK$134,352
+HK$6,728/mo
Deposit HK$15.91M · loan HK$23.87M · min. income ≈ HK$255,248/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,690,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,979
−HK$7,963/mo
▼ 0.25% · 3.875%
HK$130,929
−HK$4,013/mo
Today · 4.125%
HK$134,942
baseline
▲ 0.50% · 4.625%
HK$143,153
+HK$8,211/mo
Deposit HK$11.93M · loan HK$27.84M · min. income ≈ HK$269,884/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,690,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,263
−HK$7,632/mo
▼ 0.25% · 3.875%
HK$145,052
−HK$3,843/mo
Today · 4.125%
HK$148,895
baseline
▲ 0.50% · 4.625%
HK$156,744
+HK$7,849/mo
Deposit HK$11.93M · loan HK$27.84M · min. income ≈ HK$297,790/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,690,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,259
−HK$10,238/mo
▼ 0.25% · 3.875%
HK$168,337
−HK$5,160/mo
Today · 4.125%
HK$173,497
baseline
▲ 0.50% · 4.625%
HK$184,054
+HK$10,557/mo
Deposit HK$3.98M · loan HK$35.80M · min. income ≈ HK$346,994/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,690,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,624
−HK$9,813/mo
▼ 0.25% · 3.875%
HK$186,495
−HK$4,942/mo
Today · 4.125%
HK$191,437
baseline
▲ 0.50% · 4.625%
HK$201,527
+HK$10,090/mo
Deposit HK$3.98M · loan HK$35.80M · min. income ≈ HK$382,874/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,690,480 · Scale 2, in force from 26 Feb 2026)