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$92,869
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$95,758
−HK$2,935/mo
Today · 4.125%
HK$98,693
baseline
▲ 0.50% · 4.625%
HK$104,698
+HK$6,005/mo
Deposit HK$20.36M · loan HK$20.36M · min. income ≈ HK$197,386/mo (50% DSR)
Upfront cash ≈ HK$22.09M (deposit + AVD stamp duty HK$1,730,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,316
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$106,087
−HK$2,811/mo
Today · 4.125%
HK$108,898
baseline
▲ 0.50% · 4.625%
HK$114,638
+HK$5,740/mo
Deposit HK$20.36M · loan HK$20.36M · min. income ≈ HK$217,796/mo (50% DSR)
Upfront cash ≈ HK$22.09M (deposit + AVD stamp duty HK$1,730,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,443
−HK$6,988/mo
▼ 0.25% · 3.875%
HK$114,909
−HK$3,522/mo
Today · 4.125%
HK$118,431
baseline
▲ 0.50% · 4.625%
HK$125,637
+HK$7,206/mo
Deposit HK$16.29M · loan HK$24.44M · min. income ≈ HK$236,862/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,730,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,979
−HK$6,698/mo
▼ 0.25% · 3.875%
HK$127,304
−HK$3,373/mo
Today · 4.125%
HK$130,677
baseline
▲ 0.50% · 4.625%
HK$137,565
+HK$6,888/mo
Deposit HK$16.29M · loan HK$24.44M · min. income ≈ HK$261,354/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,730,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,016
−HK$8,154/mo
▼ 0.25% · 3.875%
HK$134,061
−HK$4,109/mo
Today · 4.125%
HK$138,170
baseline
▲ 0.50% · 4.625%
HK$146,577
+HK$8,407/mo
Deposit HK$12.22M · loan HK$28.51M · min. income ≈ HK$276,340/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,730,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,642
−HK$7,815/mo
▼ 0.25% · 3.875%
HK$148,521
−HK$3,936/mo
Today · 4.125%
HK$152,457
baseline
▲ 0.50% · 4.625%
HK$160,493
+HK$8,036/mo
Deposit HK$12.22M · loan HK$28.51M · min. income ≈ HK$304,914/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,730,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,164
−HK$10,483/mo
▼ 0.25% · 3.875%
HK$172,364
−HK$5,283/mo
Today · 4.125%
HK$177,647
baseline
▲ 0.50% · 4.625%
HK$188,456
+HK$10,809/mo
Deposit HK$4.07M · loan HK$36.65M · min. income ≈ HK$355,294/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,730,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,968
−HK$10,048/mo
▼ 0.25% · 3.875%
HK$190,956
−HK$5,060/mo
Today · 4.125%
HK$196,016
baseline
▲ 0.50% · 4.625%
HK$206,348
+HK$10,332/mo
Deposit HK$4.07M · loan HK$36.65M · min. income ≈ HK$392,032/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,730,915 · Scale 2, in force from 26 Feb 2026)