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$92,741
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$95,626
−HK$2,931/mo
Today · 4.125%
HK$98,557
baseline
▲ 0.50% · 4.625%
HK$104,554
+HK$5,997/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$197,114/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,173
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$105,941
−HK$2,807/mo
Today · 4.125%
HK$108,748
baseline
▲ 0.50% · 4.625%
HK$114,480
+HK$5,732/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$217,496/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,289
−HK$6,979/mo
▼ 0.25% · 3.875%
HK$114,751
−HK$3,517/mo
Today · 4.125%
HK$118,268
baseline
▲ 0.50% · 4.625%
HK$125,464
+HK$7,196/mo
Deposit HK$16.27M · loan HK$24.40M · min. income ≈ HK$236,536/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,728,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,808
−HK$6,689/mo
▼ 0.25% · 3.875%
HK$127,129
−HK$3,368/mo
Today · 4.125%
HK$130,497
baseline
▲ 0.50% · 4.625%
HK$137,376
+HK$6,879/mo
Deposit HK$16.27M · loan HK$24.40M · min. income ≈ HK$260,994/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,728,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,837
−HK$8,142/mo
▼ 0.25% · 3.875%
HK$133,876
−HK$4,103/mo
Today · 4.125%
HK$137,979
baseline
▲ 0.50% · 4.625%
HK$146,375
+HK$8,396/mo
Deposit HK$12.20M · loan HK$28.47M · min. income ≈ HK$275,958/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,443
−HK$7,804/mo
▼ 0.25% · 3.875%
HK$148,317
−HK$3,930/mo
Today · 4.125%
HK$152,247
baseline
▲ 0.50% · 4.625%
HK$160,272
+HK$8,025/mo
Deposit HK$12.20M · loan HK$28.47M · min. income ≈ HK$304,494/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,934
−HK$10,468/mo
▼ 0.25% · 3.875%
HK$172,126
−HK$5,276/mo
Today · 4.125%
HK$177,402
baseline
▲ 0.50% · 4.625%
HK$188,197
+HK$10,795/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$354,804/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,728,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,712
−HK$10,034/mo
▼ 0.25% · 3.875%
HK$190,693
−HK$5,053/mo
Today · 4.125%
HK$195,746
baseline
▲ 0.50% · 4.625%
HK$206,064
+HK$10,318/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$391,492/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,728,531 · Scale 2, in force from 26 Feb 2026)