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$92,743
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$95,628
−HK$2,931/mo
Today · 4.125%
HK$98,559
baseline
▲ 0.50% · 4.625%
HK$104,556
+HK$5,997/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$197,118/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,176
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,943
−HK$2,807/mo
Today · 4.125%
HK$108,750
baseline
▲ 0.50% · 4.625%
HK$114,482
+HK$5,732/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$217,500/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,291
−HK$6,979/mo
▼ 0.25% · 3.875%
HK$114,753
−HK$3,517/mo
Today · 4.125%
HK$118,270
baseline
▲ 0.50% · 4.625%
HK$125,467
+HK$7,197/mo
Deposit HK$16.27M · loan HK$24.40M · min. income ≈ HK$236,540/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,728,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,811
−HK$6,689/mo
▼ 0.25% · 3.875%
HK$127,131
−HK$3,369/mo
Today · 4.125%
HK$130,500
baseline
▲ 0.50% · 4.625%
HK$137,379
+HK$6,879/mo
Deposit HK$16.27M · loan HK$24.40M · min. income ≈ HK$261,000/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,728,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,840
−HK$8,142/mo
▼ 0.25% · 3.875%
HK$133,879
−HK$4,103/mo
Today · 4.125%
HK$137,982
baseline
▲ 0.50% · 4.625%
HK$146,378
+HK$8,396/mo
Deposit HK$12.20M · loan HK$28.47M · min. income ≈ HK$275,964/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,446
−HK$7,804/mo
▼ 0.25% · 3.875%
HK$148,320
−HK$3,930/mo
Today · 4.125%
HK$152,250
baseline
▲ 0.50% · 4.625%
HK$160,275
+HK$8,025/mo
Deposit HK$12.20M · loan HK$28.47M · min. income ≈ HK$304,500/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,937
−HK$10,469/mo
▼ 0.25% · 3.875%
HK$172,130
−HK$5,276/mo
Today · 4.125%
HK$177,406
baseline
▲ 0.50% · 4.625%
HK$188,200
+HK$10,794/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$354,812/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,728,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,716
−HK$10,034/mo
▼ 0.25% · 3.875%
HK$190,697
−HK$5,053/mo
Today · 4.125%
HK$195,750
baseline
▲ 0.50% · 4.625%
HK$206,068
+HK$10,318/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$391,500/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,728,566 · Scale 2, in force from 26 Feb 2026)