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$92,729
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$95,613
−HK$2,931/mo
Today · 4.125%
HK$98,544
baseline
▲ 0.50% · 4.625%
HK$104,540
+HK$5,996/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$197,088/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,160
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$105,927
−HK$2,806/mo
Today · 4.125%
HK$108,733
baseline
▲ 0.50% · 4.625%
HK$114,465
+HK$5,732/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$217,466/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,275
−HK$6,978/mo
▼ 0.25% · 3.875%
HK$114,736
−HK$3,517/mo
Today · 4.125%
HK$118,253
baseline
▲ 0.50% · 4.625%
HK$125,448
+HK$7,195/mo
Deposit HK$16.27M · loan HK$24.40M · min. income ≈ HK$236,506/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,728,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,792
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$127,112
−HK$3,368/mo
Today · 4.125%
HK$130,480
baseline
▲ 0.50% · 4.625%
HK$137,358
+HK$6,878/mo
Deposit HK$16.27M · loan HK$24.40M · min. income ≈ HK$260,960/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,728,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,820
−HK$8,141/mo
▼ 0.25% · 3.875%
HK$133,859
−HK$4,102/mo
Today · 4.125%
HK$137,961
baseline
▲ 0.50% · 4.625%
HK$146,356
+HK$8,395/mo
Deposit HK$12.20M · loan HK$28.47M · min. income ≈ HK$275,922/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,424
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$148,297
−HK$3,930/mo
Today · 4.125%
HK$152,227
baseline
▲ 0.50% · 4.625%
HK$160,251
+HK$8,024/mo
Deposit HK$12.20M · loan HK$28.47M · min. income ≈ HK$304,454/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,912
−HK$10,467/mo
▼ 0.25% · 3.875%
HK$172,104
−HK$5,275/mo
Today · 4.125%
HK$177,379
baseline
▲ 0.50% · 4.625%
HK$188,172
+HK$10,793/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$354,758/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,728,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,688
−HK$10,032/mo
▼ 0.25% · 3.875%
HK$190,668
−HK$5,052/mo
Today · 4.125%
HK$195,720
baseline
▲ 0.50% · 4.625%
HK$206,037
+HK$10,317/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$391,440/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,728,306 · Scale 2, in force from 26 Feb 2026)