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$90,801
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$93,625
−HK$2,870/mo
Today · 4.125%
HK$96,495
baseline
▲ 0.50% · 4.625%
HK$102,366
+HK$5,871/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$192,990/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$1,692,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,015
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$103,724
−HK$2,748/mo
Today · 4.125%
HK$106,472
baseline
▲ 0.50% · 4.625%
HK$112,085
+HK$5,613/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$212,944/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$1,692,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,961
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$112,350
−HK$3,444/mo
Today · 4.125%
HK$115,794
baseline
▲ 0.50% · 4.625%
HK$122,839
+HK$7,045/mo
Deposit HK$15.93M · loan HK$23.89M · min. income ≈ HK$231,588/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,692,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,218
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$124,469
−HK$3,298/mo
Today · 4.125%
HK$127,767
baseline
▲ 0.50% · 4.625%
HK$134,502
+HK$6,735/mo
Deposit HK$15.93M · loan HK$23.89M · min. income ≈ HK$255,534/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,692,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,121
−HK$7,972/mo
▼ 0.25% · 3.875%
HK$131,075
−HK$4,018/mo
Today · 4.125%
HK$135,093
baseline
▲ 0.50% · 4.625%
HK$143,313
+HK$8,220/mo
Deposit HK$11.95M · loan HK$27.87M · min. income ≈ HK$270,186/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,421
−HK$7,640/mo
▼ 0.25% · 3.875%
HK$145,214
−HK$3,847/mo
Today · 4.125%
HK$149,061
baseline
▲ 0.50% · 4.625%
HK$156,919
+HK$7,858/mo
Deposit HK$11.95M · loan HK$27.87M · min. income ≈ HK$298,122/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,441
−HK$10,249/mo
▼ 0.25% · 3.875%
HK$168,525
−HK$5,165/mo
Today · 4.125%
HK$173,690
baseline
▲ 0.50% · 4.625%
HK$184,259
+HK$10,569/mo
Deposit HK$3.98M · loan HK$35.84M · min. income ≈ HK$347,380/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,692,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,827
−HK$9,823/mo
▼ 0.25% · 3.875%
HK$186,703
−HK$4,947/mo
Today · 4.125%
HK$191,650
baseline
▲ 0.50% · 4.625%
HK$201,752
+HK$10,102/mo
Deposit HK$3.98M · loan HK$35.84M · min. income ≈ HK$383,300/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,692,367 · Scale 2, in force from 26 Feb 2026)