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$92,639
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$95,521
−HK$2,927/mo
Today · 4.125%
HK$98,448
baseline
▲ 0.50% · 4.625%
HK$104,439
+HK$5,991/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$196,896/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,060
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$105,824
−HK$2,804/mo
Today · 4.125%
HK$108,628
baseline
▲ 0.50% · 4.625%
HK$114,354
+HK$5,726/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$217,256/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,167
−HK$6,971/mo
▼ 0.25% · 3.875%
HK$114,625
−HK$3,513/mo
Today · 4.125%
HK$118,138
baseline
▲ 0.50% · 4.625%
HK$125,327
+HK$7,189/mo
Deposit HK$16.25M · loan HK$24.38M · min. income ≈ HK$236,276/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,726,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,672
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$126,989
−HK$3,365/mo
Today · 4.125%
HK$130,354
baseline
▲ 0.50% · 4.625%
HK$137,225
+HK$6,871/mo
Deposit HK$16.25M · loan HK$24.38M · min. income ≈ HK$260,708/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,726,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,695
−HK$8,133/mo
▼ 0.25% · 3.875%
HK$133,729
−HK$4,099/mo
Today · 4.125%
HK$137,828
baseline
▲ 0.50% · 4.625%
HK$146,214
+HK$8,386/mo
Deposit HK$12.19M · loan HK$28.44M · min. income ≈ HK$275,656/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,284
−HK$7,795/mo
▼ 0.25% · 3.875%
HK$148,154
−HK$3,925/mo
Today · 4.125%
HK$152,079
baseline
▲ 0.50% · 4.625%
HK$160,096
+HK$8,017/mo
Deposit HK$12.19M · loan HK$28.44M · min. income ≈ HK$304,158/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,750
−HK$10,457/mo
▼ 0.25% · 3.875%
HK$171,937
−HK$5,270/mo
Today · 4.125%
HK$177,207
baseline
▲ 0.50% · 4.625%
HK$187,990
+HK$10,783/mo
Deposit HK$4.06M · loan HK$36.56M · min. income ≈ HK$354,414/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,508
−HK$10,023/mo
▼ 0.25% · 3.875%
HK$190,483
−HK$5,048/mo
Today · 4.125%
HK$195,531
baseline
▲ 0.50% · 4.625%
HK$205,837
+HK$10,306/mo
Deposit HK$4.06M · loan HK$36.56M · min. income ≈ HK$391,062/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,633 · Scale 2, in force from 26 Feb 2026)