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$92,875
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$95,764
−HK$2,935/mo
Today · 4.125%
HK$98,699
baseline
▲ 0.50% · 4.625%
HK$104,705
+HK$6,006/mo
Deposit HK$20.37M · loan HK$20.37M · min. income ≈ HK$197,398/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$1,731,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,323
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$106,094
−HK$2,811/mo
Today · 4.125%
HK$108,905
baseline
▲ 0.50% · 4.625%
HK$114,645
+HK$5,740/mo
Deposit HK$20.37M · loan HK$20.37M · min. income ≈ HK$217,810/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$1,731,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,450
−HK$6,989/mo
▼ 0.25% · 3.875%
HK$114,917
−HK$3,522/mo
Today · 4.125%
HK$118,439
baseline
▲ 0.50% · 4.625%
HK$125,646
+HK$7,207/mo
Deposit HK$16.29M · loan HK$24.44M · min. income ≈ HK$236,878/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,731,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,987
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$127,313
−HK$3,373/mo
Today · 4.125%
HK$130,686
baseline
▲ 0.50% · 4.625%
HK$137,575
+HK$6,889/mo
Deposit HK$16.29M · loan HK$24.44M · min. income ≈ HK$261,372/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,731,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,025
−HK$8,154/mo
▼ 0.25% · 3.875%
HK$134,070
−HK$4,109/mo
Today · 4.125%
HK$138,179
baseline
▲ 0.50% · 4.625%
HK$146,587
+HK$8,408/mo
Deposit HK$12.22M · loan HK$28.51M · min. income ≈ HK$276,358/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,731,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,652
−HK$7,815/mo
▼ 0.25% · 3.875%
HK$148,531
−HK$3,936/mo
Today · 4.125%
HK$152,467
baseline
▲ 0.50% · 4.625%
HK$160,504
+HK$8,037/mo
Deposit HK$12.22M · loan HK$28.51M · min. income ≈ HK$304,934/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,731,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,175
−HK$10,484/mo
▼ 0.25% · 3.875%
HK$172,376
−HK$5,283/mo
Today · 4.125%
HK$177,659
baseline
▲ 0.50% · 4.625%
HK$188,469
+HK$10,810/mo
Deposit HK$4.07M · loan HK$36.66M · min. income ≈ HK$355,318/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,731,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,981
−HK$10,048/mo
▼ 0.25% · 3.875%
HK$190,969
−HK$5,060/mo
Today · 4.125%
HK$196,029
baseline
▲ 0.50% · 4.625%
HK$206,362
+HK$10,333/mo
Deposit HK$4.07M · loan HK$36.66M · min. income ≈ HK$392,058/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,731,033 · Scale 2, in force from 26 Feb 2026)