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$92,955
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$95,847
−HK$2,938/mo
Today · 4.125%
HK$98,785
baseline
▲ 0.50% · 4.625%
HK$104,795
+HK$6,010/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$197,570/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,412
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$106,185
−HK$2,814/mo
Today · 4.125%
HK$108,999
baseline
▲ 0.50% · 4.625%
HK$114,745
+HK$5,746/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$217,998/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,547
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$115,016
−HK$3,526/mo
Today · 4.125%
HK$118,542
baseline
▲ 0.50% · 4.625%
HK$125,754
+HK$7,212/mo
Deposit HK$16.31M · loan HK$24.46M · min. income ≈ HK$237,084/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,094
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$127,423
−HK$3,376/mo
Today · 4.125%
HK$130,799
baseline
▲ 0.50% · 4.625%
HK$137,693
+HK$6,894/mo
Deposit HK$16.31M · loan HK$24.46M · min. income ≈ HK$261,598/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,138
−HK$8,160/mo
▼ 0.25% · 3.875%
HK$134,186
−HK$4,112/mo
Today · 4.125%
HK$138,298
baseline
▲ 0.50% · 4.625%
HK$146,714
+HK$8,416/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$276,596/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,777
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$148,660
−HK$3,939/mo
Today · 4.125%
HK$152,599
baseline
▲ 0.50% · 4.625%
HK$160,642
+HK$8,043/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$305,198/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,320
−HK$10,492/mo
▼ 0.25% · 3.875%
HK$172,524
−HK$5,288/mo
Today · 4.125%
HK$177,812
baseline
▲ 0.50% · 4.625%
HK$188,632
+HK$10,820/mo
Deposit HK$4.08M · loan HK$36.69M · min. income ≈ HK$355,624/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,142
−HK$10,056/mo
▼ 0.25% · 3.875%
HK$191,134
−HK$5,064/mo
Today · 4.125%
HK$196,198
baseline
▲ 0.50% · 4.625%
HK$206,540
+HK$10,342/mo
Deposit HK$4.08M · loan HK$36.69M · min. income ≈ HK$392,396/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,528 · Scale 2, in force from 26 Feb 2026)