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$91,180
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$94,016
−HK$2,882/mo
Today · 4.125%
HK$96,898
baseline
▲ 0.50% · 4.625%
HK$102,794
+HK$5,896/mo
Deposit HK$19.99M · loan HK$19.99M · min. income ≈ HK$193,796/mo (50% DSR)
Upfront cash ≈ HK$21.69M (deposit + AVD stamp duty HK$1,699,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,437
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$104,157
−HK$2,760/mo
Today · 4.125%
HK$106,917
baseline
▲ 0.50% · 4.625%
HK$112,553
+HK$5,636/mo
Deposit HK$19.99M · loan HK$19.99M · min. income ≈ HK$213,834/mo (50% DSR)
Upfront cash ≈ HK$21.69M (deposit + AVD stamp duty HK$1,699,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,416
−HK$6,861/mo
▼ 0.25% · 3.875%
HK$112,819
−HK$3,458/mo
Today · 4.125%
HK$116,277
baseline
▲ 0.50% · 4.625%
HK$123,353
+HK$7,076/mo
Deposit HK$15.99M · loan HK$23.99M · min. income ≈ HK$232,554/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,699,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,724
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$124,989
−HK$3,312/mo
Today · 4.125%
HK$128,301
baseline
▲ 0.50% · 4.625%
HK$135,064
+HK$6,763/mo
Deposit HK$15.99M · loan HK$23.99M · min. income ≈ HK$256,602/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,699,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,652
−HK$8,005/mo
▼ 0.25% · 3.875%
HK$131,623
−HK$4,034/mo
Today · 4.125%
HK$135,657
baseline
▲ 0.50% · 4.625%
HK$143,911
+HK$8,254/mo
Deposit HK$12.00M · loan HK$27.99M · min. income ≈ HK$271,314/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,699,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,012
−HK$7,672/mo
▼ 0.25% · 3.875%
HK$145,820
−HK$3,864/mo
Today · 4.125%
HK$149,684
baseline
▲ 0.50% · 4.625%
HK$157,574
+HK$7,890/mo
Deposit HK$12.00M · loan HK$27.99M · min. income ≈ HK$299,368/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,699,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,124
−HK$10,292/mo
▼ 0.25% · 3.875%
HK$169,229
−HK$5,187/mo
Today · 4.125%
HK$174,416
baseline
▲ 0.50% · 4.625%
HK$185,029
+HK$10,613/mo
Deposit HK$4.00M · loan HK$35.99M · min. income ≈ HK$348,832/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,699,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,586
−HK$9,865/mo
▼ 0.25% · 3.875%
HK$187,483
−HK$4,968/mo
Today · 4.125%
HK$192,451
baseline
▲ 0.50% · 4.625%
HK$202,595
+HK$10,144/mo
Deposit HK$4.00M · loan HK$35.99M · min. income ≈ HK$384,902/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,699,437 · Scale 2, in force from 26 Feb 2026)