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$92,828
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$95,716
−HK$2,933/mo
Today · 4.125%
HK$98,649
baseline
▲ 0.50% · 4.625%
HK$104,652
+HK$6,003/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$197,298/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,730,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,271
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$106,040
−HK$2,810/mo
Today · 4.125%
HK$108,850
baseline
▲ 0.50% · 4.625%
HK$114,588
+HK$5,738/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$217,700/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,730,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,394
−HK$6,985/mo
▼ 0.25% · 3.875%
HK$114,859
−HK$3,520/mo
Today · 4.125%
HK$118,379
baseline
▲ 0.50% · 4.625%
HK$125,582
+HK$7,203/mo
Deposit HK$16.28M · loan HK$24.43M · min. income ≈ HK$236,758/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,730,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,925
−HK$6,695/mo
▼ 0.25% · 3.875%
HK$127,248
−HK$3,372/mo
Today · 4.125%
HK$130,620
baseline
▲ 0.50% · 4.625%
HK$137,505
+HK$6,885/mo
Deposit HK$16.28M · loan HK$24.43M · min. income ≈ HK$261,240/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,730,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,960
−HK$8,149/mo
▼ 0.25% · 3.875%
HK$134,002
−HK$4,107/mo
Today · 4.125%
HK$138,109
baseline
▲ 0.50% · 4.625%
HK$146,513
+HK$8,404/mo
Deposit HK$12.21M · loan HK$28.50M · min. income ≈ HK$276,218/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,730,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,579
−HK$7,811/mo
▼ 0.25% · 3.875%
HK$148,456
−HK$3,934/mo
Today · 4.125%
HK$152,390
baseline
▲ 0.50% · 4.625%
HK$160,423
+HK$8,033/mo
Deposit HK$12.21M · loan HK$28.50M · min. income ≈ HK$304,780/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,730,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,091
−HK$10,478/mo
▼ 0.25% · 3.875%
HK$172,288
−HK$5,281/mo
Today · 4.125%
HK$177,569
baseline
▲ 0.50% · 4.625%
HK$188,374
+HK$10,805/mo
Deposit HK$4.07M · loan HK$36.64M · min. income ≈ HK$355,138/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,730,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,887
−HK$10,043/mo
▼ 0.25% · 3.875%
HK$190,872
−HK$5,058/mo
Today · 4.125%
HK$195,930
baseline
▲ 0.50% · 4.625%
HK$206,258
+HK$10,328/mo
Deposit HK$4.07M · loan HK$36.64M · min. income ≈ HK$391,860/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,730,158 · Scale 2, in force from 26 Feb 2026)