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$92,767
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$95,652
−HK$2,932/mo
Today · 4.125%
HK$98,584
baseline
▲ 0.50% · 4.625%
HK$104,582
+HK$5,998/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$197,168/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,202
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,970
−HK$2,808/mo
Today · 4.125%
HK$108,778
baseline
▲ 0.50% · 4.625%
HK$114,511
+HK$5,733/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$217,556/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,320
−HK$6,981/mo
▼ 0.25% · 3.875%
HK$114,783
−HK$3,518/mo
Today · 4.125%
HK$118,301
baseline
▲ 0.50% · 4.625%
HK$125,499
+HK$7,198/mo
Deposit HK$16.27M · loan HK$24.41M · min. income ≈ HK$236,602/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,729,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,842
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$127,164
−HK$3,369/mo
Today · 4.125%
HK$130,533
baseline
▲ 0.50% · 4.625%
HK$137,414
+HK$6,881/mo
Deposit HK$16.27M · loan HK$24.41M · min. income ≈ HK$261,066/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,729,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,873
−HK$8,144/mo
▼ 0.25% · 3.875%
HK$133,913
−HK$4,104/mo
Today · 4.125%
HK$138,017
baseline
▲ 0.50% · 4.625%
HK$146,415
+HK$8,398/mo
Deposit HK$12.20M · loan HK$28.48M · min. income ≈ HK$276,034/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,729,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,483
−HK$7,806/mo
▼ 0.25% · 3.875%
HK$148,358
−HK$3,931/mo
Today · 4.125%
HK$152,289
baseline
▲ 0.50% · 4.625%
HK$160,316
+HK$8,027/mo
Deposit HK$12.20M · loan HK$28.48M · min. income ≈ HK$304,578/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,729,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,980
−HK$10,471/mo
▼ 0.25% · 3.875%
HK$172,174
−HK$5,277/mo
Today · 4.125%
HK$177,451
baseline
▲ 0.50% · 4.625%
HK$188,248
+HK$10,797/mo
Deposit HK$4.07M · loan HK$36.61M · min. income ≈ HK$354,902/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,763
−HK$10,037/mo
▼ 0.25% · 3.875%
HK$190,745
−HK$5,055/mo
Today · 4.125%
HK$195,800
baseline
▲ 0.50% · 4.625%
HK$206,120
+HK$10,320/mo
Deposit HK$4.07M · loan HK$36.61M · min. income ≈ HK$391,600/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,007 · Scale 2, in force from 26 Feb 2026)