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$92,831
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$95,718
−HK$2,934/mo
Today · 4.125%
HK$98,652
baseline
▲ 0.50% · 4.625%
HK$104,655
+HK$6,003/mo
Deposit HK$20.36M · loan HK$20.36M · min. income ≈ HK$197,304/mo (50% DSR)
Upfront cash ≈ HK$22.09M (deposit + AVD stamp duty HK$1,730,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,273
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$106,043
−HK$2,810/mo
Today · 4.125%
HK$108,853
baseline
▲ 0.50% · 4.625%
HK$114,591
+HK$5,738/mo
Deposit HK$20.36M · loan HK$20.36M · min. income ≈ HK$217,706/mo (50% DSR)
Upfront cash ≈ HK$22.09M (deposit + AVD stamp duty HK$1,730,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,397
−HK$6,986/mo
▼ 0.25% · 3.875%
HK$114,862
−HK$3,521/mo
Today · 4.125%
HK$118,383
baseline
▲ 0.50% · 4.625%
HK$125,586
+HK$7,203/mo
Deposit HK$16.28M · loan HK$24.43M · min. income ≈ HK$236,766/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,730,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,928
−HK$6,696/mo
▼ 0.25% · 3.875%
HK$127,252
−HK$3,372/mo
Today · 4.125%
HK$130,624
baseline
▲ 0.50% · 4.625%
HK$137,509
+HK$6,885/mo
Deposit HK$16.28M · loan HK$24.43M · min. income ≈ HK$261,248/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,730,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,963
−HK$8,150/mo
▼ 0.25% · 3.875%
HK$134,006
−HK$4,107/mo
Today · 4.125%
HK$138,113
baseline
▲ 0.50% · 4.625%
HK$146,517
+HK$8,404/mo
Deposit HK$12.21M · loan HK$28.50M · min. income ≈ HK$276,226/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,730,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,583
−HK$7,811/mo
▼ 0.25% · 3.875%
HK$148,460
−HK$3,934/mo
Today · 4.125%
HK$152,394
baseline
▲ 0.50% · 4.625%
HK$160,427
+HK$8,033/mo
Deposit HK$12.21M · loan HK$28.50M · min. income ≈ HK$304,788/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,730,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,096
−HK$10,478/mo
▼ 0.25% · 3.875%
HK$172,293
−HK$5,281/mo
Today · 4.125%
HK$177,574
baseline
▲ 0.50% · 4.625%
HK$188,379
+HK$10,805/mo
Deposit HK$4.07M · loan HK$36.64M · min. income ≈ HK$355,148/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,730,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,892
−HK$10,043/mo
▼ 0.25% · 3.875%
HK$190,878
−HK$5,057/mo
Today · 4.125%
HK$195,935
baseline
▲ 0.50% · 4.625%
HK$206,263
+HK$10,328/mo
Deposit HK$4.07M · loan HK$36.64M · min. income ≈ HK$391,870/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,730,207 · Scale 2, in force from 26 Feb 2026)