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$92,614
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$95,495
−HK$2,927/mo
Today · 4.125%
HK$98,422
baseline
▲ 0.50% · 4.625%
HK$104,411
+HK$5,989/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$196,844/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,726,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,033
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$105,796
−HK$2,803/mo
Today · 4.125%
HK$108,599
baseline
▲ 0.50% · 4.625%
HK$114,324
+HK$5,725/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$217,198/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,726,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,137
−HK$6,970/mo
▼ 0.25% · 3.875%
HK$114,594
−HK$3,513/mo
Today · 4.125%
HK$118,107
baseline
▲ 0.50% · 4.625%
HK$125,293
+HK$7,186/mo
Deposit HK$16.25M · loan HK$24.37M · min. income ≈ HK$236,214/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,726,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,639
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$126,955
−HK$3,364/mo
Today · 4.125%
HK$130,319
baseline
▲ 0.50% · 4.625%
HK$137,188
+HK$6,869/mo
Deposit HK$16.25M · loan HK$24.37M · min. income ≈ HK$260,638/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,726,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,660
−HK$8,131/mo
▼ 0.25% · 3.875%
HK$133,693
−HK$4,098/mo
Today · 4.125%
HK$137,791
baseline
▲ 0.50% · 4.625%
HK$146,175
+HK$8,384/mo
Deposit HK$12.18M · loan HK$28.43M · min. income ≈ HK$275,582/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,246
−HK$7,793/mo
▼ 0.25% · 3.875%
HK$148,114
−HK$3,925/mo
Today · 4.125%
HK$152,039
baseline
▲ 0.50% · 4.625%
HK$160,053
+HK$8,014/mo
Deposit HK$12.18M · loan HK$28.43M · min. income ≈ HK$304,078/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,706
−HK$10,454/mo
▼ 0.25% · 3.875%
HK$171,892
−HK$5,268/mo
Today · 4.125%
HK$177,160
baseline
▲ 0.50% · 4.625%
HK$187,940
+HK$10,780/mo
Deposit HK$4.06M · loan HK$36.55M · min. income ≈ HK$354,320/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,459
−HK$10,020/mo
▼ 0.25% · 3.875%
HK$190,433
−HK$5,046/mo
Today · 4.125%
HK$195,479
baseline
▲ 0.50% · 4.625%
HK$205,783
+HK$10,304/mo
Deposit HK$4.06M · loan HK$36.55M · min. income ≈ HK$390,958/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,173 · Scale 2, in force from 26 Feb 2026)