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$92,940
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,831
−HK$2,938/mo
Today · 4.125%
HK$98,769
baseline
▲ 0.50% · 4.625%
HK$104,778
+HK$6,009/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$197,538/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,732,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,395
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$106,168
−HK$2,813/mo
Today · 4.125%
HK$108,981
baseline
▲ 0.50% · 4.625%
HK$114,726
+HK$5,745/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$217,962/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,732,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,528
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$114,998
−HK$3,524/mo
Today · 4.125%
HK$118,522
baseline
▲ 0.50% · 4.625%
HK$125,734
+HK$7,212/mo
Deposit HK$16.30M · loan HK$24.46M · min. income ≈ HK$237,044/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,074
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$127,402
−HK$3,376/mo
Today · 4.125%
HK$130,778
baseline
▲ 0.50% · 4.625%
HK$137,671
+HK$6,893/mo
Deposit HK$16.30M · loan HK$24.46M · min. income ≈ HK$261,556/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,116
−HK$8,160/mo
▼ 0.25% · 3.875%
HK$134,164
−HK$4,112/mo
Today · 4.125%
HK$138,276
baseline
▲ 0.50% · 4.625%
HK$146,690
+HK$8,414/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$276,552/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,753
−HK$7,821/mo
▼ 0.25% · 3.875%
HK$148,635
−HK$3,939/mo
Today · 4.125%
HK$152,574
baseline
▲ 0.50% · 4.625%
HK$160,616
+HK$8,042/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$305,148/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,293
−HK$10,490/mo
▼ 0.25% · 3.875%
HK$172,496
−HK$5,287/mo
Today · 4.125%
HK$177,783
baseline
▲ 0.50% · 4.625%
HK$188,601
+HK$10,818/mo
Deposit HK$4.08M · loan HK$36.68M · min. income ≈ HK$355,566/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,111
−HK$10,055/mo
▼ 0.25% · 3.875%
HK$191,103
−HK$5,063/mo
Today · 4.125%
HK$196,166
baseline
▲ 0.50% · 4.625%
HK$206,507
+HK$10,341/mo
Deposit HK$4.08M · loan HK$36.68M · min. income ≈ HK$392,332/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,246 · Scale 2, in force from 26 Feb 2026)