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$92,915
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$95,806
−HK$2,936/mo
Today · 4.125%
HK$98,742
baseline
▲ 0.50% · 4.625%
HK$104,750
+HK$6,008/mo
Deposit HK$20.37M · loan HK$20.37M · min. income ≈ HK$197,484/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,731,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,367
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,140
−HK$2,812/mo
Today · 4.125%
HK$108,952
baseline
▲ 0.50% · 4.625%
HK$114,695
+HK$5,743/mo
Deposit HK$20.37M · loan HK$20.37M · min. income ≈ HK$217,904/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,731,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,498
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$114,967
−HK$3,523/mo
Today · 4.125%
HK$118,490
baseline
▲ 0.50% · 4.625%
HK$125,700
+HK$7,210/mo
Deposit HK$16.30M · loan HK$24.45M · min. income ≈ HK$236,980/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,731,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,041
−HK$6,701/mo
▼ 0.25% · 3.875%
HK$127,368
−HK$3,374/mo
Today · 4.125%
HK$130,742
baseline
▲ 0.50% · 4.625%
HK$137,634
+HK$6,892/mo
Deposit HK$16.30M · loan HK$24.45M · min. income ≈ HK$261,484/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,731,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,081
−HK$8,158/mo
▼ 0.25% · 3.875%
HK$134,128
−HK$4,111/mo
Today · 4.125%
HK$138,239
baseline
▲ 0.50% · 4.625%
HK$146,650
+HK$8,411/mo
Deposit HK$12.22M · loan HK$28.52M · min. income ≈ HK$276,478/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,731,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,714
−HK$7,819/mo
▼ 0.25% · 3.875%
HK$148,595
−HK$3,938/mo
Today · 4.125%
HK$152,533
baseline
▲ 0.50% · 4.625%
HK$160,573
+HK$8,040/mo
Deposit HK$12.22M · loan HK$28.52M · min. income ≈ HK$305,066/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,731,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,248
−HK$10,488/mo
▼ 0.25% · 3.875%
HK$172,450
−HK$5,286/mo
Today · 4.125%
HK$177,736
baseline
▲ 0.50% · 4.625%
HK$188,550
+HK$10,814/mo
Deposit HK$4.07M · loan HK$36.67M · min. income ≈ HK$355,472/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,731,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,061
−HK$10,053/mo
▼ 0.25% · 3.875%
HK$191,051
−HK$5,063/mo
Today · 4.125%
HK$196,114
baseline
▲ 0.50% · 4.625%
HK$206,451
+HK$10,337/mo
Deposit HK$4.07M · loan HK$36.67M · min. income ≈ HK$392,228/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,731,780 · Scale 2, in force from 26 Feb 2026)