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$93,010
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$95,903
−HK$2,939/mo
Today · 4.125%
HK$98,842
baseline
▲ 0.50% · 4.625%
HK$104,857
+HK$6,015/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$197,684/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$1,733,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,473
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$106,248
−HK$2,815/mo
Today · 4.125%
HK$109,063
baseline
▲ 0.50% · 4.625%
HK$114,812
+HK$5,749/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$218,126/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$1,733,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,612
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$115,084
−HK$3,527/mo
Today · 4.125%
HK$118,611
baseline
▲ 0.50% · 4.625%
HK$125,828
+HK$7,217/mo
Deposit HK$16.32M · loan HK$24.47M · min. income ≈ HK$237,222/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,167
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$127,497
−HK$3,378/mo
Today · 4.125%
HK$130,875
baseline
▲ 0.50% · 4.625%
HK$137,774
+HK$6,899/mo
Deposit HK$16.32M · loan HK$24.47M · min. income ≈ HK$261,750/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,214
−HK$8,165/mo
▼ 0.25% · 3.875%
HK$134,264
−HK$4,115/mo
Today · 4.125%
HK$138,379
baseline
▲ 0.50% · 4.625%
HK$146,799
+HK$8,420/mo
Deposit HK$12.24M · loan HK$28.55M · min. income ≈ HK$276,758/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,862
−HK$7,826/mo
▼ 0.25% · 3.875%
HK$148,747
−HK$3,941/mo
Today · 4.125%
HK$152,688
baseline
▲ 0.50% · 4.625%
HK$160,736
+HK$8,048/mo
Deposit HK$12.24M · loan HK$28.55M · min. income ≈ HK$305,376/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,418
−HK$10,498/mo
▼ 0.25% · 3.875%
HK$172,625
−HK$5,291/mo
Today · 4.125%
HK$177,916
baseline
▲ 0.50% · 4.625%
HK$188,742
+HK$10,826/mo
Deposit HK$4.08M · loan HK$36.71M · min. income ≈ HK$355,832/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,251
−HK$10,062/mo
▼ 0.25% · 3.875%
HK$191,246
−HK$5,067/mo
Today · 4.125%
HK$196,313
baseline
▲ 0.50% · 4.625%
HK$206,661
+HK$10,348/mo
Deposit HK$4.08M · loan HK$36.71M · min. income ≈ HK$392,626/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,541 · Scale 2, in force from 26 Feb 2026)