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$90,820
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$93,645
−HK$2,870/mo
Today · 4.125%
HK$96,515
baseline
▲ 0.50% · 4.625%
HK$102,388
+HK$5,873/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$193,030/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$1,692,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,037
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$103,746
−HK$2,749/mo
Today · 4.125%
HK$106,495
baseline
▲ 0.50% · 4.625%
HK$112,109
+HK$5,614/mo
Deposit HK$19.91M · loan HK$19.91M · min. income ≈ HK$212,990/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$1,692,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,984
−HK$6,834/mo
▼ 0.25% · 3.875%
HK$112,374
−HK$3,444/mo
Today · 4.125%
HK$115,818
baseline
▲ 0.50% · 4.625%
HK$122,866
+HK$7,048/mo
Deposit HK$15.93M · loan HK$23.90M · min. income ≈ HK$231,636/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,692,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,244
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$124,496
−HK$3,298/mo
Today · 4.125%
HK$127,794
baseline
▲ 0.50% · 4.625%
HK$134,530
+HK$6,736/mo
Deposit HK$15.93M · loan HK$23.90M · min. income ≈ HK$255,588/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,692,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,148
−HK$7,974/mo
▼ 0.25% · 3.875%
HK$131,103
−HK$4,019/mo
Today · 4.125%
HK$135,122
baseline
▲ 0.50% · 4.625%
HK$143,343
+HK$8,221/mo
Deposit HK$11.95M · loan HK$27.88M · min. income ≈ HK$270,244/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,451
−HK$7,642/mo
▼ 0.25% · 3.875%
HK$145,245
−HK$3,848/mo
Today · 4.125%
HK$149,093
baseline
▲ 0.50% · 4.625%
HK$156,952
+HK$7,859/mo
Deposit HK$11.95M · loan HK$27.88M · min. income ≈ HK$298,186/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,476
−HK$10,252/mo
▼ 0.25% · 3.875%
HK$168,561
−HK$5,167/mo
Today · 4.125%
HK$173,728
baseline
▲ 0.50% · 4.625%
HK$184,299
+HK$10,571/mo
Deposit HK$3.98M · loan HK$35.85M · min. income ≈ HK$347,456/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,692,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,866
−HK$9,825/mo
▼ 0.25% · 3.875%
HK$186,743
−HK$4,948/mo
Today · 4.125%
HK$191,691
baseline
▲ 0.50% · 4.625%
HK$201,796
+HK$10,105/mo
Deposit HK$3.98M · loan HK$35.85M · min. income ≈ HK$383,382/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,692,730 · Scale 2, in force from 26 Feb 2026)