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$90,785
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$93,608
−HK$2,870/mo
Today · 4.125%
HK$96,478
baseline
▲ 0.50% · 4.625%
HK$102,348
+HK$5,870/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$192,956/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$1,692,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,997
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$103,706
−HK$2,747/mo
Today · 4.125%
HK$106,453
baseline
▲ 0.50% · 4.625%
HK$112,065
+HK$5,612/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$212,906/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$1,692,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,941
−HK$6,832/mo
▼ 0.25% · 3.875%
HK$112,330
−HK$3,443/mo
Today · 4.125%
HK$115,773
baseline
▲ 0.50% · 4.625%
HK$122,818
+HK$7,045/mo
Deposit HK$15.93M · loan HK$23.89M · min. income ≈ HK$231,546/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,692,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,196
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$124,447
−HK$3,297/mo
Today · 4.125%
HK$127,744
baseline
▲ 0.50% · 4.625%
HK$134,478
+HK$6,734/mo
Deposit HK$15.93M · loan HK$23.89M · min. income ≈ HK$255,488/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,692,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,098
−HK$7,971/mo
▼ 0.25% · 3.875%
HK$131,052
−HK$4,017/mo
Today · 4.125%
HK$135,069
baseline
▲ 0.50% · 4.625%
HK$143,287
+HK$8,218/mo
Deposit HK$11.94M · loan HK$27.87M · min. income ≈ HK$270,138/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,396
−HK$7,639/mo
▼ 0.25% · 3.875%
HK$145,188
−HK$3,847/mo
Today · 4.125%
HK$149,035
baseline
▲ 0.50% · 4.625%
HK$156,891
+HK$7,856/mo
Deposit HK$11.94M · loan HK$27.87M · min. income ≈ HK$298,070/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,412
−HK$10,248/mo
▼ 0.25% · 3.875%
HK$168,495
−HK$5,165/mo
Today · 4.125%
HK$173,660
baseline
▲ 0.50% · 4.625%
HK$184,226
+HK$10,566/mo
Deposit HK$3.98M · loan HK$35.83M · min. income ≈ HK$347,320/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,692,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,794
−HK$9,822/mo
▼ 0.25% · 3.875%
HK$186,670
−HK$4,946/mo
Today · 4.125%
HK$191,616
baseline
▲ 0.50% · 4.625%
HK$201,717
+HK$10,101/mo
Deposit HK$3.98M · loan HK$35.83M · min. income ≈ HK$383,232/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,692,066 · Scale 2, in force from 26 Feb 2026)