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$88,639
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,396
−HK$2,802/mo
Today · 4.125%
HK$94,198
baseline
▲ 0.50% · 4.625%
HK$99,929
+HK$5,731/mo
Deposit HK$19.44M · loan HK$19.44M · min. income ≈ HK$188,396/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$1,652,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,610
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,255
−HK$2,683/mo
Today · 4.125%
HK$103,938
baseline
▲ 0.50% · 4.625%
HK$109,417
+HK$5,479/mo
Deposit HK$19.44M · loan HK$19.44M · min. income ≈ HK$207,876/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$1,652,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,367
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$109,676
−HK$3,361/mo
Today · 4.125%
HK$113,037
baseline
▲ 0.50% · 4.625%
HK$119,915
+HK$6,878/mo
Deposit HK$15.55M · loan HK$23.32M · min. income ≈ HK$226,074/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,652,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,332
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$121,506
−HK$3,219/mo
Today · 4.125%
HK$124,725
baseline
▲ 0.50% · 4.625%
HK$131,300
+HK$6,575/mo
Deposit HK$15.55M · loan HK$23.32M · min. income ≈ HK$249,450/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,652,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,095
−HK$7,782/mo
▼ 0.25% · 3.875%
HK$127,955
−HK$3,922/mo
Today · 4.125%
HK$131,877
baseline
▲ 0.50% · 4.625%
HK$139,901
+HK$8,024/mo
Deposit HK$11.66M · loan HK$27.21M · min. income ≈ HK$263,754/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,652,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,054
−HK$7,459/mo
▼ 0.25% · 3.875%
HK$141,757
−HK$3,756/mo
Today · 4.125%
HK$145,513
baseline
▲ 0.50% · 4.625%
HK$153,183
+HK$7,670/mo
Deposit HK$11.66M · loan HK$27.21M · min. income ≈ HK$291,026/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,652,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,551
−HK$10,005/mo
▼ 0.25% · 3.875%
HK$164,513
−HK$5,043/mo
Today · 4.125%
HK$169,556
baseline
▲ 0.50% · 4.625%
HK$179,873
+HK$10,317/mo
Deposit HK$3.89M · loan HK$34.99M · min. income ≈ HK$339,112/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,498
−HK$9,590/mo
▼ 0.25% · 3.875%
HK$182,259
−HK$4,829/mo
Today · 4.125%
HK$187,088
baseline
▲ 0.50% · 4.625%
HK$196,950
+HK$9,862/mo
Deposit HK$3.89M · loan HK$34.99M · min. income ≈ HK$374,176/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,080 · Scale 2, in force from 26 Feb 2026)