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$92,513
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,391
−HK$2,923/mo
Today · 4.125%
HK$98,314
baseline
▲ 0.50% · 4.625%
HK$104,297
+HK$5,983/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$196,628/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,920
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$105,680
−HK$2,800/mo
Today · 4.125%
HK$108,480
baseline
▲ 0.50% · 4.625%
HK$114,198
+HK$5,718/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$216,960/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,016
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$114,469
−HK$3,508/mo
Today · 4.125%
HK$117,977
baseline
▲ 0.50% · 4.625%
HK$125,156
+HK$7,179/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$235,954/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,504
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$126,816
−HK$3,360/mo
Today · 4.125%
HK$130,176
baseline
▲ 0.50% · 4.625%
HK$137,038
+HK$6,862/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$260,352/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,518
−HK$8,122/mo
▼ 0.25% · 3.875%
HK$133,547
−HK$4,093/mo
Today · 4.125%
HK$137,640
baseline
▲ 0.50% · 4.625%
HK$146,015
+HK$8,375/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$275,280/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,088
−HK$7,784/mo
▼ 0.25% · 3.875%
HK$147,952
−HK$3,920/mo
Today · 4.125%
HK$151,872
baseline
▲ 0.50% · 4.625%
HK$159,878
+HK$8,006/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$303,744/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,523
−HK$10,443/mo
▼ 0.25% · 3.875%
HK$171,703
−HK$5,263/mo
Today · 4.125%
HK$176,966
baseline
▲ 0.50% · 4.625%
HK$187,734
+HK$10,768/mo
Deposit HK$4.06M · loan HK$36.51M · min. income ≈ HK$353,932/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,256
−HK$10,008/mo
▼ 0.25% · 3.875%
HK$190,224
−HK$5,040/mo
Today · 4.125%
HK$195,264
baseline
▲ 0.50% · 4.625%
HK$205,557
+HK$10,293/mo
Deposit HK$4.06M · loan HK$36.51M · min. income ≈ HK$390,528/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,281 · Scale 2, in force from 26 Feb 2026)