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$92,986
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$95,879
−HK$2,938/mo
Today · 4.125%
HK$98,817
baseline
▲ 0.50% · 4.625%
HK$104,830
+HK$6,013/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$197,634/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,733,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,446
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$106,221
−HK$2,814/mo
Today · 4.125%
HK$109,035
baseline
▲ 0.50% · 4.625%
HK$114,783
+HK$5,748/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$218,070/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,733,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,584
−HK$6,997/mo
▼ 0.25% · 3.875%
HK$115,055
−HK$3,526/mo
Today · 4.125%
HK$118,581
baseline
▲ 0.50% · 4.625%
HK$125,796
+HK$7,215/mo
Deposit HK$16.31M · loan HK$24.47M · min. income ≈ HK$237,162/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,733,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,136
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$127,465
−HK$3,377/mo
Today · 4.125%
HK$130,842
baseline
▲ 0.50% · 4.625%
HK$137,739
+HK$6,897/mo
Deposit HK$16.31M · loan HK$24.47M · min. income ≈ HK$261,684/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,733,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,181
−HK$8,163/mo
▼ 0.25% · 3.875%
HK$134,230
−HK$4,114/mo
Today · 4.125%
HK$138,344
baseline
▲ 0.50% · 4.625%
HK$146,762
+HK$8,418/mo
Deposit HK$12.23M · loan HK$28.55M · min. income ≈ HK$276,688/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,825
−HK$7,825/mo
▼ 0.25% · 3.875%
HK$148,709
−HK$3,941/mo
Today · 4.125%
HK$152,650
baseline
▲ 0.50% · 4.625%
HK$160,696
+HK$8,046/mo
Deposit HK$12.23M · loan HK$28.55M · min. income ≈ HK$305,300/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,376
−HK$10,495/mo
▼ 0.25% · 3.875%
HK$172,582
−HK$5,289/mo
Today · 4.125%
HK$177,871
baseline
▲ 0.50% · 4.625%
HK$188,695
+HK$10,824/mo
Deposit HK$4.08M · loan HK$36.70M · min. income ≈ HK$355,742/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,204
−HK$10,060/mo
▼ 0.25% · 3.875%
HK$191,198
−HK$5,066/mo
Today · 4.125%
HK$196,264
baseline
▲ 0.50% · 4.625%
HK$206,609
+HK$10,345/mo
Deposit HK$4.08M · loan HK$36.70M · min. income ≈ HK$392,528/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,105 · Scale 2, in force from 26 Feb 2026)