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$92,611
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$95,492
−HK$2,927/mo
Today · 4.125%
HK$98,419
baseline
▲ 0.50% · 4.625%
HK$104,407
+HK$5,988/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$196,838/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,726,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,029
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$105,792
−HK$2,803/mo
Today · 4.125%
HK$108,595
baseline
▲ 0.50% · 4.625%
HK$114,320
+HK$5,725/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$217,190/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,726,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,133
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$114,590
−HK$3,512/mo
Today · 4.125%
HK$118,102
baseline
▲ 0.50% · 4.625%
HK$125,289
+HK$7,187/mo
Deposit HK$16.25M · loan HK$24.37M · min. income ≈ HK$236,204/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,726,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,635
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$126,951
−HK$3,363/mo
Today · 4.125%
HK$130,314
baseline
▲ 0.50% · 4.625%
HK$137,183
+HK$6,869/mo
Deposit HK$16.25M · loan HK$24.37M · min. income ≈ HK$260,628/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,726,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,656
−HK$8,130/mo
▼ 0.25% · 3.875%
HK$133,689
−HK$4,097/mo
Today · 4.125%
HK$137,786
baseline
▲ 0.50% · 4.625%
HK$146,170
+HK$8,384/mo
Deposit HK$12.18M · loan HK$28.43M · min. income ≈ HK$275,572/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,241
−HK$7,793/mo
▼ 0.25% · 3.875%
HK$148,109
−HK$3,925/mo
Today · 4.125%
HK$152,034
baseline
▲ 0.50% · 4.625%
HK$160,047
+HK$8,013/mo
Deposit HK$12.18M · loan HK$28.43M · min. income ≈ HK$304,068/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,700
−HK$10,454/mo
▼ 0.25% · 3.875%
HK$171,885
−HK$5,269/mo
Today · 4.125%
HK$177,154
baseline
▲ 0.50% · 4.625%
HK$187,933
+HK$10,779/mo
Deposit HK$4.06M · loan HK$36.55M · min. income ≈ HK$354,308/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,452
−HK$10,020/mo
▼ 0.25% · 3.875%
HK$190,426
−HK$5,046/mo
Today · 4.125%
HK$195,472
baseline
▲ 0.50% · 4.625%
HK$205,775
+HK$10,303/mo
Deposit HK$4.06M · loan HK$36.55M · min. income ≈ HK$390,944/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,112 · Scale 2, in force from 26 Feb 2026)