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$92,393
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,267
−HK$2,920/mo
Today · 4.125%
HK$98,187
baseline
▲ 0.50% · 4.625%
HK$104,161
+HK$5,974/mo
Deposit HK$20.26M · loan HK$20.26M · min. income ≈ HK$196,374/mo (50% DSR)
Upfront cash ≈ HK$21.98M (deposit + AVD stamp duty HK$1,722,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,786
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,543
−HK$2,796/mo
Today · 4.125%
HK$108,339
baseline
▲ 0.50% · 4.625%
HK$114,050
+HK$5,711/mo
Deposit HK$20.26M · loan HK$20.26M · min. income ≈ HK$216,678/mo (50% DSR)
Upfront cash ≈ HK$21.98M (deposit + AVD stamp duty HK$1,722,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,872
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$114,320
−HK$3,504/mo
Today · 4.125%
HK$117,824
baseline
▲ 0.50% · 4.625%
HK$124,993
+HK$7,169/mo
Deposit HK$16.21M · loan HK$24.31M · min. income ≈ HK$235,648/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,722,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,343
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$126,651
−HK$3,356/mo
Today · 4.125%
HK$130,007
baseline
▲ 0.50% · 4.625%
HK$136,860
+HK$6,853/mo
Deposit HK$16.21M · loan HK$24.31M · min. income ≈ HK$260,014/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,722,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,350
−HK$8,111/mo
▼ 0.25% · 3.875%
HK$133,374
−HK$4,087/mo
Today · 4.125%
HK$137,461
baseline
▲ 0.50% · 4.625%
HK$145,826
+HK$8,365/mo
Deposit HK$12.16M · loan HK$28.36M · min. income ≈ HK$274,922/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,901
−HK$7,774/mo
▼ 0.25% · 3.875%
HK$147,760
−HK$3,915/mo
Today · 4.125%
HK$151,675
baseline
▲ 0.50% · 4.625%
HK$159,670
+HK$7,995/mo
Deposit HK$12.16M · loan HK$28.36M · min. income ≈ HK$303,350/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,307
−HK$10,429/mo
▼ 0.25% · 3.875%
HK$171,480
−HK$5,256/mo
Today · 4.125%
HK$176,736
baseline
▲ 0.50% · 4.625%
HK$187,490
+HK$10,754/mo
Deposit HK$4.05M · loan HK$36.47M · min. income ≈ HK$353,472/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,722,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,015
−HK$9,996/mo
▼ 0.25% · 3.875%
HK$189,977
−HK$5,034/mo
Today · 4.125%
HK$195,011
baseline
▲ 0.50% · 4.625%
HK$205,290
+HK$10,279/mo
Deposit HK$4.05M · loan HK$36.47M · min. income ≈ HK$390,022/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,722,043 · Scale 2, in force from 26 Feb 2026)