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$90,554
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$93,370
−HK$2,862/mo
Today · 4.125%
HK$96,232
baseline
▲ 0.50% · 4.625%
HK$102,088
+HK$5,856/mo
Deposit HK$19.86M · loan HK$19.86M · min. income ≈ HK$192,464/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$1,687,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,740
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$103,442
−HK$2,741/mo
Today · 4.125%
HK$106,183
baseline
▲ 0.50% · 4.625%
HK$111,780
+HK$5,597/mo
Deposit HK$19.86M · loan HK$19.86M · min. income ≈ HK$212,366/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$1,687,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,664
−HK$6,815/mo
▼ 0.25% · 3.875%
HK$112,044
−HK$3,435/mo
Today · 4.125%
HK$115,479
baseline
▲ 0.50% · 4.625%
HK$122,505
+HK$7,026/mo
Deposit HK$15.88M · loan HK$23.83M · min. income ≈ HK$230,958/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,687,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,888
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$124,130
−HK$3,289/mo
Today · 4.125%
HK$127,419
baseline
▲ 0.50% · 4.625%
HK$134,136
+HK$6,717/mo
Deposit HK$15.88M · loan HK$23.83M · min. income ≈ HK$254,838/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,687,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,775
−HK$7,950/mo
▼ 0.25% · 3.875%
HK$130,718
−HK$4,007/mo
Today · 4.125%
HK$134,725
baseline
▲ 0.50% · 4.625%
HK$142,923
+HK$8,198/mo
Deposit HK$11.91M · loan HK$27.80M · min. income ≈ HK$269,450/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,687,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,036
−HK$7,620/mo
▼ 0.25% · 3.875%
HK$144,818
−HK$3,838/mo
Today · 4.125%
HK$148,656
baseline
▲ 0.50% · 4.625%
HK$156,492
+HK$7,836/mo
Deposit HK$11.91M · loan HK$27.80M · min. income ≈ HK$297,312/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,687,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,996
−HK$10,222/mo
▼ 0.25% · 3.875%
HK$168,067
−HK$5,151/mo
Today · 4.125%
HK$173,218
baseline
▲ 0.50% · 4.625%
HK$183,758
+HK$10,540/mo
Deposit HK$3.97M · loan HK$35.74M · min. income ≈ HK$346,436/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,687,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,332
−HK$9,797/mo
▼ 0.25% · 3.875%
HK$186,195
−HK$4,934/mo
Today · 4.125%
HK$191,129
baseline
▲ 0.50% · 4.625%
HK$201,203
+HK$10,074/mo
Deposit HK$3.97M · loan HK$35.74M · min. income ≈ HK$382,258/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,687,762 · Scale 2, in force from 26 Feb 2026)