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$92,733
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$95,618
−HK$2,930/mo
Today · 4.125%
HK$98,548
baseline
▲ 0.50% · 4.625%
HK$104,545
+HK$5,997/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$197,096/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,165
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,932
−HK$2,807/mo
Today · 4.125%
HK$108,739
baseline
▲ 0.50% · 4.625%
HK$114,470
+HK$5,731/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$217,478/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,280
−HK$6,978/mo
▼ 0.25% · 3.875%
HK$114,741
−HK$3,517/mo
Today · 4.125%
HK$118,258
baseline
▲ 0.50% · 4.625%
HK$125,454
+HK$7,196/mo
Deposit HK$16.27M · loan HK$24.40M · min. income ≈ HK$236,516/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,728,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,798
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$127,118
−HK$3,368/mo
Today · 4.125%
HK$130,486
baseline
▲ 0.50% · 4.625%
HK$137,364
+HK$6,878/mo
Deposit HK$16.27M · loan HK$24.40M · min. income ≈ HK$260,972/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,728,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,827
−HK$8,141/mo
▼ 0.25% · 3.875%
HK$133,865
−HK$4,103/mo
Today · 4.125%
HK$137,968
baseline
▲ 0.50% · 4.625%
HK$146,363
+HK$8,395/mo
Deposit HK$12.20M · loan HK$28.47M · min. income ≈ HK$275,936/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,431
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$148,304
−HK$3,930/mo
Today · 4.125%
HK$152,234
baseline
▲ 0.50% · 4.625%
HK$160,258
+HK$8,024/mo
Deposit HK$12.20M · loan HK$28.47M · min. income ≈ HK$304,468/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,920
−HK$10,467/mo
▼ 0.25% · 3.875%
HK$172,112
−HK$5,275/mo
Today · 4.125%
HK$177,387
baseline
▲ 0.50% · 4.625%
HK$188,181
+HK$10,794/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$354,774/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,728,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,697
−HK$10,032/mo
▼ 0.25% · 3.875%
HK$190,677
−HK$5,052/mo
Today · 4.125%
HK$195,729
baseline
▲ 0.50% · 4.625%
HK$206,047
+HK$10,318/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$391,458/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,728,387 · Scale 2, in force from 26 Feb 2026)