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$92,090
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$94,954
−HK$2,910/mo
Today · 4.125%
HK$97,864
baseline
▲ 0.50% · 4.625%
HK$103,819
+HK$5,955/mo
Deposit HK$20.19M · loan HK$20.19M · min. income ≈ HK$195,728/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$1,716,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,449
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,196
−HK$2,788/mo
Today · 4.125%
HK$107,984
baseline
▲ 0.50% · 4.625%
HK$113,676
+HK$5,692/mo
Deposit HK$20.19M · loan HK$20.19M · min. income ≈ HK$215,968/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$1,716,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,507
−HK$6,930/mo
▼ 0.25% · 3.875%
HK$113,945
−HK$3,492/mo
Today · 4.125%
HK$117,437
baseline
▲ 0.50% · 4.625%
HK$124,583
+HK$7,146/mo
Deposit HK$16.15M · loan HK$24.23M · min. income ≈ HK$234,874/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,716,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,938
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$126,236
−HK$3,344/mo
Today · 4.125%
HK$129,580
baseline
▲ 0.50% · 4.625%
HK$136,411
+HK$6,831/mo
Deposit HK$16.15M · loan HK$24.23M · min. income ≈ HK$259,160/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,716,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,925
−HK$8,085/mo
▼ 0.25% · 3.875%
HK$132,936
−HK$4,074/mo
Today · 4.125%
HK$137,010
baseline
▲ 0.50% · 4.625%
HK$145,347
+HK$8,337/mo
Deposit HK$12.12M · loan HK$28.27M · min. income ≈ HK$274,020/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,716,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,428
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$147,275
−HK$3,902/mo
Today · 4.125%
HK$151,177
baseline
▲ 0.50% · 4.625%
HK$159,146
+HK$7,969/mo
Deposit HK$12.12M · loan HK$28.27M · min. income ≈ HK$302,354/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,716,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,761
−HK$10,395/mo
▼ 0.25% · 3.875%
HK$170,917
−HK$5,239/mo
Today · 4.125%
HK$176,156
baseline
▲ 0.50% · 4.625%
HK$186,875
+HK$10,719/mo
Deposit HK$4.04M · loan HK$36.35M · min. income ≈ HK$352,312/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,716,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,408
−HK$9,963/mo
▼ 0.25% · 3.875%
HK$189,353
−HK$5,018/mo
Today · 4.125%
HK$194,371
baseline
▲ 0.50% · 4.625%
HK$204,616
+HK$10,245/mo
Deposit HK$4.04M · loan HK$36.35M · min. income ≈ HK$388,742/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,716,389 · Scale 2, in force from 26 Feb 2026)