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$91,084
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$93,917
−HK$2,879/mo
Today · 4.125%
HK$96,796
baseline
▲ 0.50% · 4.625%
HK$102,685
+HK$5,889/mo
Deposit HK$19.97M · loan HK$19.97M · min. income ≈ HK$193,592/mo (50% DSR)
Upfront cash ≈ HK$21.67M (deposit + AVD stamp duty HK$1,697,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,330
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,048
−HK$2,756/mo
Today · 4.125%
HK$106,804
baseline
▲ 0.50% · 4.625%
HK$112,434
+HK$5,630/mo
Deposit HK$19.97M · loan HK$19.97M · min. income ≈ HK$213,608/mo (50% DSR)
Upfront cash ≈ HK$21.67M (deposit + AVD stamp duty HK$1,697,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,301
−HK$6,854/mo
▼ 0.25% · 3.875%
HK$112,701
−HK$3,454/mo
Today · 4.125%
HK$116,155
baseline
▲ 0.50% · 4.625%
HK$123,223
+HK$7,068/mo
Deposit HK$15.98M · loan HK$23.97M · min. income ≈ HK$232,310/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,697,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,596
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$124,857
−HK$3,308/mo
Today · 4.125%
HK$128,165
baseline
▲ 0.50% · 4.625%
HK$134,921
+HK$6,756/mo
Deposit HK$15.98M · loan HK$23.97M · min. income ≈ HK$256,330/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,697,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,517
−HK$7,997/mo
▼ 0.25% · 3.875%
HK$131,484
−HK$4,030/mo
Today · 4.125%
HK$135,514
baseline
▲ 0.50% · 4.625%
HK$143,760
+HK$8,246/mo
Deposit HK$11.98M · loan HK$27.96M · min. income ≈ HK$271,028/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,697,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,862
−HK$7,664/mo
▼ 0.25% · 3.875%
HK$145,667
−HK$3,859/mo
Today · 4.125%
HK$149,526
baseline
▲ 0.50% · 4.625%
HK$157,408
+HK$7,882/mo
Deposit HK$11.98M · loan HK$27.96M · min. income ≈ HK$299,052/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,697,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,951
−HK$10,281/mo
▼ 0.25% · 3.875%
HK$169,051
−HK$5,181/mo
Today · 4.125%
HK$174,232
baseline
▲ 0.50% · 4.625%
HK$184,834
+HK$10,602/mo
Deposit HK$3.99M · loan HK$35.95M · min. income ≈ HK$348,464/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,697,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,394
−HK$9,854/mo
▼ 0.25% · 3.875%
HK$187,286
−HK$4,962/mo
Today · 4.125%
HK$192,248
baseline
▲ 0.50% · 4.625%
HK$202,382
+HK$10,134/mo
Deposit HK$3.99M · loan HK$35.95M · min. income ≈ HK$384,496/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,697,645 · Scale 2, in force from 26 Feb 2026)