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$90,849
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$93,675
−HK$2,871/mo
Today · 4.125%
HK$96,546
baseline
▲ 0.50% · 4.625%
HK$102,421
+HK$5,875/mo
Deposit HK$19.92M · loan HK$19.92M · min. income ≈ HK$193,092/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$1,693,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,069
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,779
−HK$2,750/mo
Today · 4.125%
HK$106,529
baseline
▲ 0.50% · 4.625%
HK$112,144
+HK$5,615/mo
Deposit HK$19.92M · loan HK$19.92M · min. income ≈ HK$213,058/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$1,693,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,019
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$112,410
−HK$3,445/mo
Today · 4.125%
HK$115,855
baseline
▲ 0.50% · 4.625%
HK$122,905
+HK$7,050/mo
Deposit HK$15.94M · loan HK$23.90M · min. income ≈ HK$231,710/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,693,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,282
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$124,535
−HK$3,300/mo
Today · 4.125%
HK$127,835
baseline
▲ 0.50% · 4.625%
HK$134,573
+HK$6,738/mo
Deposit HK$15.94M · loan HK$23.90M · min. income ≈ HK$255,670/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,693,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,189
−HK$7,975/mo
▼ 0.25% · 3.875%
HK$131,145
−HK$4,019/mo
Today · 4.125%
HK$135,164
baseline
▲ 0.50% · 4.625%
HK$143,389
+HK$8,225/mo
Deposit HK$11.95M · loan HK$27.89M · min. income ≈ HK$270,328/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,693,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,496
−HK$7,645/mo
▼ 0.25% · 3.875%
HK$145,291
−HK$3,850/mo
Today · 4.125%
HK$149,141
baseline
▲ 0.50% · 4.625%
HK$157,002
+HK$7,861/mo
Deposit HK$11.95M · loan HK$27.89M · min. income ≈ HK$298,282/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,693,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,528
−HK$10,255/mo
▼ 0.25% · 3.875%
HK$168,615
−HK$5,168/mo
Today · 4.125%
HK$173,783
baseline
▲ 0.50% · 4.625%
HK$184,357
+HK$10,574/mo
Deposit HK$3.98M · loan HK$35.86M · min. income ≈ HK$347,566/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,693,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,923
−HK$9,829/mo
▼ 0.25% · 3.875%
HK$186,803
−HK$4,949/mo
Today · 4.125%
HK$191,752
baseline
▲ 0.50% · 4.625%
HK$201,860
+HK$10,108/mo
Deposit HK$3.98M · loan HK$35.86M · min. income ≈ HK$383,504/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,693,267 · Scale 2, in force from 26 Feb 2026)