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$92,421
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,296
−HK$2,920/mo
Today · 4.125%
HK$98,216
baseline
▲ 0.50% · 4.625%
HK$104,193
+HK$5,977/mo
Deposit HK$20.27M · loan HK$20.27M · min. income ≈ HK$196,432/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$1,722,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,817
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$105,575
−HK$2,797/mo
Today · 4.125%
HK$108,372
baseline
▲ 0.50% · 4.625%
HK$114,085
+HK$5,713/mo
Deposit HK$20.27M · loan HK$20.27M · min. income ≈ HK$216,744/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$1,722,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,905
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$114,355
−HK$3,505/mo
Today · 4.125%
HK$117,860
baseline
▲ 0.50% · 4.625%
HK$125,031
+HK$7,171/mo
Deposit HK$16.21M · loan HK$24.32M · min. income ≈ HK$235,720/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,722,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,381
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$126,690
−HK$3,357/mo
Today · 4.125%
HK$130,047
baseline
▲ 0.50% · 4.625%
HK$136,902
+HK$6,855/mo
Deposit HK$16.21M · loan HK$24.32M · min. income ≈ HK$260,094/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,722,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,389
−HK$8,114/mo
▼ 0.25% · 3.875%
HK$133,414
−HK$4,089/mo
Today · 4.125%
HK$137,503
baseline
▲ 0.50% · 4.625%
HK$145,870
+HK$8,367/mo
Deposit HK$12.16M · loan HK$28.37M · min. income ≈ HK$275,006/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,944
−HK$7,777/mo
▼ 0.25% · 3.875%
HK$147,805
−HK$3,916/mo
Today · 4.125%
HK$151,721
baseline
▲ 0.50% · 4.625%
HK$159,719
+HK$7,998/mo
Deposit HK$12.16M · loan HK$28.37M · min. income ≈ HK$303,442/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,358
−HK$10,432/mo
▼ 0.25% · 3.875%
HK$171,532
−HK$5,258/mo
Today · 4.125%
HK$176,790
baseline
▲ 0.50% · 4.625%
HK$187,547
+HK$10,757/mo
Deposit HK$4.05M · loan HK$36.48M · min. income ≈ HK$353,580/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,722,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,071
−HK$9,999/mo
▼ 0.25% · 3.875%
HK$190,035
−HK$5,035/mo
Today · 4.125%
HK$195,070
baseline
▲ 0.50% · 4.625%
HK$205,352
+HK$10,282/mo
Deposit HK$4.05M · loan HK$36.48M · min. income ≈ HK$390,140/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,722,564 · Scale 2, in force from 26 Feb 2026)