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$90,367
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$93,178
−HK$2,856/mo
Today · 4.125%
HK$96,034
baseline
▲ 0.50% · 4.625%
HK$101,877
+HK$5,843/mo
Deposit HK$19.82M · loan HK$19.82M · min. income ≈ HK$192,068/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$1,684,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,532
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$103,229
−HK$2,735/mo
Today · 4.125%
HK$105,964
baseline
▲ 0.50% · 4.625%
HK$111,549
+HK$5,585/mo
Deposit HK$19.82M · loan HK$19.82M · min. income ≈ HK$211,928/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$1,684,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,441
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$111,814
−HK$3,427/mo
Today · 4.125%
HK$115,241
baseline
▲ 0.50% · 4.625%
HK$122,253
+HK$7,012/mo
Deposit HK$15.85M · loan HK$23.78M · min. income ≈ HK$230,482/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,684,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,639
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,874
−HK$3,283/mo
Today · 4.125%
HK$127,157
baseline
▲ 0.50% · 4.625%
HK$133,859
+HK$6,702/mo
Deposit HK$15.85M · loan HK$23.78M · min. income ≈ HK$254,314/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,684,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,514
−HK$7,933/mo
▼ 0.25% · 3.875%
HK$130,449
−HK$3,998/mo
Today · 4.125%
HK$134,447
baseline
▲ 0.50% · 4.625%
HK$142,628
+HK$8,181/mo
Deposit HK$11.89M · loan HK$27.74M · min. income ≈ HK$268,894/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,684,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,745
−HK$7,605/mo
▼ 0.25% · 3.875%
HK$144,520
−HK$3,830/mo
Today · 4.125%
HK$148,350
baseline
▲ 0.50% · 4.625%
HK$156,169
+HK$7,819/mo
Deposit HK$11.89M · loan HK$27.74M · min. income ≈ HK$296,700/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,684,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,661
−HK$10,200/mo
▼ 0.25% · 3.875%
HK$167,720
−HK$5,141/mo
Today · 4.125%
HK$172,861
baseline
▲ 0.50% · 4.625%
HK$183,379
+HK$10,518/mo
Deposit HK$3.96M · loan HK$35.67M · min. income ≈ HK$345,722/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,684,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,958
−HK$9,777/mo
▼ 0.25% · 3.875%
HK$185,812
−HK$4,923/mo
Today · 4.125%
HK$190,735
baseline
▲ 0.50% · 4.625%
HK$200,789
+HK$10,054/mo
Deposit HK$3.96M · loan HK$35.67M · min. income ≈ HK$381,470/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,684,285 · Scale 2, in force from 26 Feb 2026)