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$92,980
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$95,872
−HK$2,938/mo
Today · 4.125%
HK$98,810
baseline
▲ 0.50% · 4.625%
HK$104,823
+HK$6,013/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$197,620/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,439
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$106,213
−HK$2,814/mo
Today · 4.125%
HK$109,027
baseline
▲ 0.50% · 4.625%
HK$114,774
+HK$5,747/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$218,054/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,576
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$115,046
−HK$3,526/mo
Today · 4.125%
HK$118,572
baseline
▲ 0.50% · 4.625%
HK$125,787
+HK$7,215/mo
Deposit HK$16.31M · loan HK$24.47M · min. income ≈ HK$237,144/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,127
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$127,456
−HK$3,377/mo
Today · 4.125%
HK$130,833
baseline
▲ 0.50% · 4.625%
HK$137,729
+HK$6,896/mo
Deposit HK$16.31M · loan HK$24.47M · min. income ≈ HK$261,666/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,172
−HK$8,162/mo
▼ 0.25% · 3.875%
HK$134,221
−HK$4,113/mo
Today · 4.125%
HK$138,334
baseline
▲ 0.50% · 4.625%
HK$146,752
+HK$8,418/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$276,668/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,732,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,815
−HK$7,823/mo
▼ 0.25% · 3.875%
HK$148,698
−HK$3,940/mo
Today · 4.125%
HK$152,638
baseline
▲ 0.50% · 4.625%
HK$160,684
+HK$8,046/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$305,276/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,732,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,363
−HK$10,496/mo
▼ 0.25% · 3.875%
HK$172,569
−HK$5,290/mo
Today · 4.125%
HK$177,859
baseline
▲ 0.50% · 4.625%
HK$188,681
+HK$10,822/mo
Deposit HK$4.08M · loan HK$36.70M · min. income ≈ HK$355,718/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,190
−HK$10,059/mo
▼ 0.25% · 3.875%
HK$191,184
−HK$5,065/mo
Today · 4.125%
HK$196,249
baseline
▲ 0.50% · 4.625%
HK$206,594
+HK$10,345/mo
Deposit HK$4.08M · loan HK$36.70M · min. income ≈ HK$392,498/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,979 · Scale 2, in force from 26 Feb 2026)