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$92,924
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$95,815
−HK$2,936/mo
Today · 4.125%
HK$98,751
baseline
▲ 0.50% · 4.625%
HK$104,760
+HK$6,009/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$197,502/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,731,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,377
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,150
−HK$2,812/mo
Today · 4.125%
HK$108,962
baseline
▲ 0.50% · 4.625%
HK$114,706
+HK$5,744/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$217,924/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,731,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,509
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$114,977
−HK$3,524/mo
Today · 4.125%
HK$118,501
baseline
▲ 0.50% · 4.625%
HK$125,712
+HK$7,211/mo
Deposit HK$16.30M · loan HK$24.45M · min. income ≈ HK$237,002/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,731,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,052
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$127,380
−HK$3,375/mo
Today · 4.125%
HK$130,755
baseline
▲ 0.50% · 4.625%
HK$137,647
+HK$6,892/mo
Deposit HK$16.30M · loan HK$24.45M · min. income ≈ HK$261,510/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,731,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,094
−HK$8,158/mo
▼ 0.25% · 3.875%
HK$134,140
−HK$4,112/mo
Today · 4.125%
HK$138,252
baseline
▲ 0.50% · 4.625%
HK$146,664
+HK$8,412/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$276,504/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,731,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,728
−HK$7,819/mo
▼ 0.25% · 3.875%
HK$148,609
−HK$3,938/mo
Today · 4.125%
HK$152,547
baseline
▲ 0.50% · 4.625%
HK$160,588
+HK$8,041/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$305,094/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,731,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,263
−HK$10,489/mo
▼ 0.25% · 3.875%
HK$172,466
−HK$5,286/mo
Today · 4.125%
HK$177,752
baseline
▲ 0.50% · 4.625%
HK$188,568
+HK$10,816/mo
Deposit HK$4.08M · loan HK$36.68M · min. income ≈ HK$355,504/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,731,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,079
−HK$10,053/mo
▼ 0.25% · 3.875%
HK$191,069
−HK$5,063/mo
Today · 4.125%
HK$196,132
baseline
▲ 0.50% · 4.625%
HK$206,470
+HK$10,338/mo
Deposit HK$4.08M · loan HK$36.68M · min. income ≈ HK$392,264/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,731,943 · Scale 2, in force from 26 Feb 2026)