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$92,721
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$95,605
−HK$2,930/mo
Today · 4.125%
HK$98,535
baseline
▲ 0.50% · 4.625%
HK$104,531
+HK$5,996/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$197,070/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,151
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$105,917
−HK$2,807/mo
Today · 4.125%
HK$108,724
baseline
▲ 0.50% · 4.625%
HK$114,455
+HK$5,731/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$217,448/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,265
−HK$6,977/mo
▼ 0.25% · 3.875%
HK$114,726
−HK$3,516/mo
Today · 4.125%
HK$118,242
baseline
▲ 0.50% · 4.625%
HK$125,437
+HK$7,195/mo
Deposit HK$16.26M · loan HK$24.40M · min. income ≈ HK$236,484/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,728,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,781
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$127,101
−HK$3,368/mo
Today · 4.125%
HK$130,469
baseline
▲ 0.50% · 4.625%
HK$137,346
+HK$6,877/mo
Deposit HK$16.26M · loan HK$24.40M · min. income ≈ HK$260,938/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,728,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,809
−HK$8,140/mo
▼ 0.25% · 3.875%
HK$133,847
−HK$4,102/mo
Today · 4.125%
HK$137,949
baseline
▲ 0.50% · 4.625%
HK$146,343
+HK$8,394/mo
Deposit HK$12.20M · loan HK$28.46M · min. income ≈ HK$275,898/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,411
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$148,284
−HK$3,929/mo
Today · 4.125%
HK$152,213
baseline
▲ 0.50% · 4.625%
HK$160,237
+HK$8,024/mo
Deposit HK$12.20M · loan HK$28.46M · min. income ≈ HK$304,426/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,897
−HK$10,466/mo
▼ 0.25% · 3.875%
HK$172,089
−HK$5,274/mo
Today · 4.125%
HK$177,363
baseline
▲ 0.50% · 4.625%
HK$188,155
+HK$10,792/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$354,726/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,728,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,672
−HK$10,031/mo
▼ 0.25% · 3.875%
HK$190,651
−HK$5,052/mo
Today · 4.125%
HK$195,703
baseline
▲ 0.50% · 4.625%
HK$206,019
+HK$10,316/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$391,406/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,728,153 · Scale 2, in force from 26 Feb 2026)