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$92,414
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,289
−HK$2,920/mo
Today · 4.125%
HK$98,209
baseline
▲ 0.50% · 4.625%
HK$104,185
+HK$5,976/mo
Deposit HK$20.26M · loan HK$20.26M · min. income ≈ HK$196,418/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$1,722,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,810
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,567
−HK$2,797/mo
Today · 4.125%
HK$108,364
baseline
▲ 0.50% · 4.625%
HK$114,076
+HK$5,712/mo
Deposit HK$20.26M · loan HK$20.26M · min. income ≈ HK$216,728/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$1,722,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,897
−HK$6,954/mo
▼ 0.25% · 3.875%
HK$114,346
−HK$3,505/mo
Today · 4.125%
HK$117,851
baseline
▲ 0.50% · 4.625%
HK$125,022
+HK$7,171/mo
Deposit HK$16.21M · loan HK$24.32M · min. income ≈ HK$235,702/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,722,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,372
−HK$6,665/mo
▼ 0.25% · 3.875%
HK$126,680
−HK$3,357/mo
Today · 4.125%
HK$130,037
baseline
▲ 0.50% · 4.625%
HK$136,891
+HK$6,854/mo
Deposit HK$16.21M · loan HK$24.32M · min. income ≈ HK$260,074/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,722,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,380
−HK$8,113/mo
▼ 0.25% · 3.875%
HK$133,404
−HK$4,089/mo
Today · 4.125%
HK$137,493
baseline
▲ 0.50% · 4.625%
HK$145,859
+HK$8,366/mo
Deposit HK$12.16M · loan HK$28.37M · min. income ≈ HK$274,986/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,933
−HK$7,777/mo
▼ 0.25% · 3.875%
HK$147,794
−HK$3,916/mo
Today · 4.125%
HK$151,710
baseline
▲ 0.50% · 4.625%
HK$159,707
+HK$7,997/mo
Deposit HK$12.16M · loan HK$28.37M · min. income ≈ HK$303,420/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,345
−HK$10,431/mo
▼ 0.25% · 3.875%
HK$171,519
−HK$5,257/mo
Today · 4.125%
HK$176,776
baseline
▲ 0.50% · 4.625%
HK$187,533
+HK$10,757/mo
Deposit HK$4.05M · loan HK$36.48M · min. income ≈ HK$353,552/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,722,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,057
−HK$9,998/mo
▼ 0.25% · 3.875%
HK$190,020
−HK$5,035/mo
Today · 4.125%
HK$195,055
baseline
▲ 0.50% · 4.625%
HK$205,337
+HK$10,282/mo
Deposit HK$4.05M · loan HK$36.48M · min. income ≈ HK$390,110/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,722,435 · Scale 2, in force from 26 Feb 2026)