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$90,547
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$93,364
−HK$2,861/mo
Today · 4.125%
HK$96,225
baseline
▲ 0.50% · 4.625%
HK$102,080
+HK$5,855/mo
Deposit HK$19.85M · loan HK$19.85M · min. income ≈ HK$192,450/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$1,687,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,733
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$103,434
−HK$2,741/mo
Today · 4.125%
HK$106,175
baseline
▲ 0.50% · 4.625%
HK$111,772
+HK$5,597/mo
Deposit HK$19.85M · loan HK$19.85M · min. income ≈ HK$212,350/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$1,687,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,656
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$112,036
−HK$3,434/mo
Today · 4.125%
HK$115,470
baseline
▲ 0.50% · 4.625%
HK$122,496
+HK$7,026/mo
Deposit HK$15.88M · loan HK$23.83M · min. income ≈ HK$230,940/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,687,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,879
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$124,121
−HK$3,289/mo
Today · 4.125%
HK$127,410
baseline
▲ 0.50% · 4.625%
HK$134,126
+HK$6,716/mo
Deposit HK$15.88M · loan HK$23.83M · min. income ≈ HK$254,820/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,687,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,766
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$130,709
−HK$4,006/mo
Today · 4.125%
HK$134,715
baseline
▲ 0.50% · 4.625%
HK$142,912
+HK$8,197/mo
Deposit HK$11.91M · loan HK$27.80M · min. income ≈ HK$269,430/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,687,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,026
−HK$7,619/mo
▼ 0.25% · 3.875%
HK$144,808
−HK$3,837/mo
Today · 4.125%
HK$148,645
baseline
▲ 0.50% · 4.625%
HK$156,480
+HK$7,835/mo
Deposit HK$11.91M · loan HK$27.80M · min. income ≈ HK$297,290/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,687,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,985
−HK$10,220/mo
▼ 0.25% · 3.875%
HK$168,054
−HK$5,151/mo
Today · 4.125%
HK$173,205
baseline
▲ 0.50% · 4.625%
HK$183,744
+HK$10,539/mo
Deposit HK$3.97M · loan HK$35.74M · min. income ≈ HK$346,410/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,687,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,319
−HK$9,796/mo
▼ 0.25% · 3.875%
HK$186,182
−HK$4,933/mo
Today · 4.125%
HK$191,115
baseline
▲ 0.50% · 4.625%
HK$201,189
+HK$10,074/mo
Deposit HK$3.97M · loan HK$35.74M · min. income ≈ HK$382,230/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,687,640 · Scale 2, in force from 26 Feb 2026)