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$92,512
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,390
−HK$2,923/mo
Today · 4.125%
HK$98,313
baseline
▲ 0.50% · 4.625%
HK$104,296
+HK$5,983/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$196,626/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,919
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$105,679
−HK$2,800/mo
Today · 4.125%
HK$108,479
baseline
▲ 0.50% · 4.625%
HK$114,197
+HK$5,718/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$216,958/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,014
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$114,468
−HK$3,508/mo
Today · 4.125%
HK$117,976
baseline
▲ 0.50% · 4.625%
HK$125,155
+HK$7,179/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$235,952/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,502
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$126,815
−HK$3,360/mo
Today · 4.125%
HK$130,175
baseline
▲ 0.50% · 4.625%
HK$137,037
+HK$6,862/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$260,350/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,517
−HK$8,122/mo
▼ 0.25% · 3.875%
HK$133,546
−HK$4,093/mo
Today · 4.125%
HK$137,639
baseline
▲ 0.50% · 4.625%
HK$146,014
+HK$8,375/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$275,278/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,086
−HK$7,785/mo
▼ 0.25% · 3.875%
HK$147,951
−HK$3,920/mo
Today · 4.125%
HK$151,871
baseline
▲ 0.50% · 4.625%
HK$159,876
+HK$8,005/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$303,742/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,522
−HK$10,442/mo
▼ 0.25% · 3.875%
HK$171,701
−HK$5,263/mo
Today · 4.125%
HK$176,964
baseline
▲ 0.50% · 4.625%
HK$187,732
+HK$10,768/mo
Deposit HK$4.06M · loan HK$36.51M · min. income ≈ HK$353,928/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,254
−HK$10,008/mo
▼ 0.25% · 3.875%
HK$190,222
−HK$5,040/mo
Today · 4.125%
HK$195,262
baseline
▲ 0.50% · 4.625%
HK$205,555
+HK$10,293/mo
Deposit HK$4.06M · loan HK$36.51M · min. income ≈ HK$390,524/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,264 · Scale 2, in force from 26 Feb 2026)