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$91,067
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$93,900
−HK$2,878/mo
Today · 4.125%
HK$96,778
baseline
▲ 0.50% · 4.625%
HK$102,667
+HK$5,889/mo
Deposit HK$19.97M · loan HK$19.97M · min. income ≈ HK$193,556/mo (50% DSR)
Upfront cash ≈ HK$21.67M (deposit + AVD stamp duty HK$1,697,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,311
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,028
−HK$2,757/mo
Today · 4.125%
HK$106,785
baseline
▲ 0.50% · 4.625%
HK$112,414
+HK$5,629/mo
Deposit HK$19.97M · loan HK$19.97M · min. income ≈ HK$213,570/mo (50% DSR)
Upfront cash ≈ HK$21.67M (deposit + AVD stamp duty HK$1,697,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,281
−HK$6,852/mo
▼ 0.25% · 3.875%
HK$112,680
−HK$3,453/mo
Today · 4.125%
HK$116,133
baseline
▲ 0.50% · 4.625%
HK$123,200
+HK$7,067/mo
Deposit HK$15.97M · loan HK$23.96M · min. income ≈ HK$232,266/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,697,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,574
−HK$6,568/mo
▼ 0.25% · 3.875%
HK$124,834
−HK$3,308/mo
Today · 4.125%
HK$128,142
baseline
▲ 0.50% · 4.625%
HK$134,896
+HK$6,754/mo
Deposit HK$15.97M · loan HK$23.96M · min. income ≈ HK$256,284/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,697,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,494
−HK$7,995/mo
▼ 0.25% · 3.875%
HK$131,460
−HK$4,029/mo
Today · 4.125%
HK$135,489
baseline
▲ 0.50% · 4.625%
HK$143,733
+HK$8,244/mo
Deposit HK$11.98M · loan HK$27.96M · min. income ≈ HK$270,978/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,697,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,836
−HK$7,663/mo
▼ 0.25% · 3.875%
HK$145,640
−HK$3,859/mo
Today · 4.125%
HK$149,499
baseline
▲ 0.50% · 4.625%
HK$157,379
+HK$7,880/mo
Deposit HK$11.98M · loan HK$27.96M · min. income ≈ HK$298,998/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,697,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,921
−HK$10,279/mo
▼ 0.25% · 3.875%
HK$169,020
−HK$5,180/mo
Today · 4.125%
HK$174,200
baseline
▲ 0.50% · 4.625%
HK$184,800
+HK$10,600/mo
Deposit HK$3.99M · loan HK$35.94M · min. income ≈ HK$348,400/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,697,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,360
−HK$9,853/mo
▼ 0.25% · 3.875%
HK$187,251
−HK$4,962/mo
Today · 4.125%
HK$192,213
baseline
▲ 0.50% · 4.625%
HK$202,345
+HK$10,132/mo
Deposit HK$3.99M · loan HK$35.94M · min. income ≈ HK$384,426/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,697,334 · Scale 2, in force from 26 Feb 2026)