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$90,958
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$93,787
−HK$2,875/mo
Today · 4.125%
HK$96,662
baseline
▲ 0.50% · 4.625%
HK$102,544
+HK$5,882/mo
Deposit HK$19.94M · loan HK$19.94M · min. income ≈ HK$193,324/mo (50% DSR)
Upfront cash ≈ HK$21.64M (deposit + AVD stamp duty HK$1,695,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,190
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$103,904
−HK$2,753/mo
Today · 4.125%
HK$106,657
baseline
▲ 0.50% · 4.625%
HK$112,279
+HK$5,622/mo
Deposit HK$19.94M · loan HK$19.94M · min. income ≈ HK$213,314/mo (50% DSR)
Upfront cash ≈ HK$21.64M (deposit + AVD stamp duty HK$1,695,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,150
−HK$6,844/mo
▼ 0.25% · 3.875%
HK$112,545
−HK$3,449/mo
Today · 4.125%
HK$115,994
baseline
▲ 0.50% · 4.625%
HK$123,052
+HK$7,058/mo
Deposit HK$15.96M · loan HK$23.93M · min. income ≈ HK$231,988/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,695,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,428
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$124,685
−HK$3,303/mo
Today · 4.125%
HK$127,988
baseline
▲ 0.50% · 4.625%
HK$134,735
+HK$6,747/mo
Deposit HK$15.96M · loan HK$23.93M · min. income ≈ HK$255,976/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,695,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,341
−HK$7,986/mo
▼ 0.25% · 3.875%
HK$131,302
−HK$4,025/mo
Today · 4.125%
HK$135,327
baseline
▲ 0.50% · 4.625%
HK$143,561
+HK$8,234/mo
Deposit HK$11.97M · loan HK$27.92M · min. income ≈ HK$270,654/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,695,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,666
−HK$7,654/mo
▼ 0.25% · 3.875%
HK$145,465
−HK$3,855/mo
Today · 4.125%
HK$149,320
baseline
▲ 0.50% · 4.625%
HK$157,191
+HK$7,871/mo
Deposit HK$11.97M · loan HK$27.92M · min. income ≈ HK$298,640/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,695,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,725
−HK$10,267/mo
▼ 0.25% · 3.875%
HK$168,817
−HK$5,175/mo
Today · 4.125%
HK$173,992
baseline
▲ 0.50% · 4.625%
HK$184,579
+HK$10,587/mo
Deposit HK$3.99M · loan HK$35.90M · min. income ≈ HK$347,984/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,695,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,142
−HK$9,841/mo
▼ 0.25% · 3.875%
HK$187,027
−HK$4,956/mo
Today · 4.125%
HK$191,983
baseline
▲ 0.50% · 4.625%
HK$202,102
+HK$10,119/mo
Deposit HK$3.99M · loan HK$35.90M · min. income ≈ HK$383,966/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,695,302 · Scale 2, in force from 26 Feb 2026)