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$92,979
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$95,871
−HK$2,938/mo
Today · 4.125%
HK$98,809
baseline
▲ 0.50% · 4.625%
HK$104,822
+HK$6,013/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$197,618/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,438
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$106,212
−HK$2,814/mo
Today · 4.125%
HK$109,026
baseline
▲ 0.50% · 4.625%
HK$114,773
+HK$5,747/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$218,052/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,574
−HK$6,997/mo
▼ 0.25% · 3.875%
HK$115,045
−HK$3,526/mo
Today · 4.125%
HK$118,571
baseline
▲ 0.50% · 4.625%
HK$125,786
+HK$7,215/mo
Deposit HK$16.31M · loan HK$24.47M · min. income ≈ HK$237,142/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,125
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$127,454
−HK$3,378/mo
Today · 4.125%
HK$130,832
baseline
▲ 0.50% · 4.625%
HK$137,728
+HK$6,896/mo
Deposit HK$16.31M · loan HK$24.47M · min. income ≈ HK$261,664/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,170
−HK$8,163/mo
▼ 0.25% · 3.875%
HK$134,219
−HK$4,114/mo
Today · 4.125%
HK$138,333
baseline
▲ 0.50% · 4.625%
HK$146,750
+HK$8,417/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$276,666/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,732,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,813
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$148,697
−HK$3,940/mo
Today · 4.125%
HK$152,637
baseline
▲ 0.50% · 4.625%
HK$160,682
+HK$8,045/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$305,274/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,732,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,362
−HK$10,495/mo
▼ 0.25% · 3.875%
HK$172,568
−HK$5,289/mo
Today · 4.125%
HK$177,857
baseline
▲ 0.50% · 4.625%
HK$188,679
+HK$10,822/mo
Deposit HK$4.08M · loan HK$36.70M · min. income ≈ HK$355,714/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,188
−HK$10,059/mo
▼ 0.25% · 3.875%
HK$191,182
−HK$5,065/mo
Today · 4.125%
HK$196,247
baseline
▲ 0.50% · 4.625%
HK$206,592
+HK$10,345/mo
Deposit HK$4.08M · loan HK$36.70M · min. income ≈ HK$392,494/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,961 · Scale 2, in force from 26 Feb 2026)