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$92,949
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,841
−HK$2,937/mo
Today · 4.125%
HK$98,778
baseline
▲ 0.50% · 4.625%
HK$104,789
+HK$6,011/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$197,556/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,732,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,405
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$106,179
−HK$2,813/mo
Today · 4.125%
HK$108,992
baseline
▲ 0.50% · 4.625%
HK$114,737
+HK$5,745/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$217,984/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,732,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,539
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$115,009
−HK$3,525/mo
Today · 4.125%
HK$118,534
baseline
▲ 0.50% · 4.625%
HK$125,746
+HK$7,212/mo
Deposit HK$16.31M · loan HK$24.46M · min. income ≈ HK$237,068/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,086
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$127,414
−HK$3,376/mo
Today · 4.125%
HK$130,790
baseline
▲ 0.50% · 4.625%
HK$137,684
+HK$6,894/mo
Deposit HK$16.31M · loan HK$24.46M · min. income ≈ HK$261,580/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,129
−HK$8,160/mo
▼ 0.25% · 3.875%
HK$134,177
−HK$4,112/mo
Today · 4.125%
HK$138,289
baseline
▲ 0.50% · 4.625%
HK$146,704
+HK$8,415/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$276,578/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,767
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$148,650
−HK$3,939/mo
Today · 4.125%
HK$152,589
baseline
▲ 0.50% · 4.625%
HK$160,632
+HK$8,043/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$305,178/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,309
−HK$10,492/mo
▼ 0.25% · 3.875%
HK$172,513
−HK$5,288/mo
Today · 4.125%
HK$177,801
baseline
▲ 0.50% · 4.625%
HK$188,619
+HK$10,818/mo
Deposit HK$4.08M · loan HK$36.69M · min. income ≈ HK$355,602/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,129
−HK$10,056/mo
▼ 0.25% · 3.875%
HK$191,121
−HK$5,064/mo
Today · 4.125%
HK$196,185
baseline
▲ 0.50% · 4.625%
HK$206,527
+HK$10,342/mo
Deposit HK$4.08M · loan HK$36.69M · min. income ≈ HK$392,370/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,415 · Scale 2, in force from 26 Feb 2026)