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$92,929
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$95,820
−HK$2,936/mo
Today · 4.125%
HK$98,756
baseline
▲ 0.50% · 4.625%
HK$104,766
+HK$6,010/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$197,512/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,732,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,383
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,155
−HK$2,813/mo
Today · 4.125%
HK$108,968
baseline
▲ 0.50% · 4.625%
HK$114,712
+HK$5,744/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$217,936/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,732,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,515
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$114,984
−HK$3,524/mo
Today · 4.125%
HK$118,508
baseline
▲ 0.50% · 4.625%
HK$125,719
+HK$7,211/mo
Deposit HK$16.30M · loan HK$24.45M · min. income ≈ HK$237,016/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,732,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,059
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$127,386
−HK$3,376/mo
Today · 4.125%
HK$130,762
baseline
▲ 0.50% · 4.625%
HK$137,654
+HK$6,892/mo
Deposit HK$16.30M · loan HK$24.45M · min. income ≈ HK$261,524/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,732,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,101
−HK$8,158/mo
▼ 0.25% · 3.875%
HK$134,147
−HK$4,112/mo
Today · 4.125%
HK$138,259
baseline
▲ 0.50% · 4.625%
HK$146,672
+HK$8,413/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$276,518/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,736
−HK$7,819/mo
▼ 0.25% · 3.875%
HK$148,617
−HK$3,938/mo
Today · 4.125%
HK$152,555
baseline
▲ 0.50% · 4.625%
HK$160,597
+HK$8,042/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$305,110/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,272
−HK$10,490/mo
▼ 0.25% · 3.875%
HK$172,475
−HK$5,287/mo
Today · 4.125%
HK$177,762
baseline
▲ 0.50% · 4.625%
HK$188,578
+HK$10,816/mo
Deposit HK$4.08M · loan HK$36.68M · min. income ≈ HK$355,524/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,089
−HK$10,053/mo
▼ 0.25% · 3.875%
HK$191,079
−HK$5,063/mo
Today · 4.125%
HK$196,142
baseline
▲ 0.50% · 4.625%
HK$206,481
+HK$10,339/mo
Deposit HK$4.08M · loan HK$36.68M · min. income ≈ HK$392,284/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,034 · Scale 2, in force from 26 Feb 2026)