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$92,879
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$95,768
−HK$2,936/mo
Today · 4.125%
HK$98,704
baseline
▲ 0.50% · 4.625%
HK$104,709
+HK$6,005/mo
Deposit HK$20.37M · loan HK$20.37M · min. income ≈ HK$197,408/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$1,731,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,327
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$106,098
−HK$2,812/mo
Today · 4.125%
HK$108,910
baseline
▲ 0.50% · 4.625%
HK$114,650
+HK$5,740/mo
Deposit HK$20.37M · loan HK$20.37M · min. income ≈ HK$217,820/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$1,731,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,455
−HK$6,989/mo
▼ 0.25% · 3.875%
HK$114,922
−HK$3,522/mo
Today · 4.125%
HK$118,444
baseline
▲ 0.50% · 4.625%
HK$125,651
+HK$7,207/mo
Deposit HK$16.29M · loan HK$24.44M · min. income ≈ HK$236,888/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,731,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,993
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$127,318
−HK$3,374/mo
Today · 4.125%
HK$130,692
baseline
▲ 0.50% · 4.625%
HK$137,580
+HK$6,888/mo
Deposit HK$16.29M · loan HK$24.44M · min. income ≈ HK$261,384/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,731,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,031
−HK$8,154/mo
▼ 0.25% · 3.875%
HK$134,076
−HK$4,109/mo
Today · 4.125%
HK$138,185
baseline
▲ 0.50% · 4.625%
HK$146,593
+HK$8,408/mo
Deposit HK$12.22M · loan HK$28.51M · min. income ≈ HK$276,370/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,731,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,658
−HK$7,815/mo
▼ 0.25% · 3.875%
HK$148,538
−HK$3,935/mo
Today · 4.125%
HK$152,473
baseline
▲ 0.50% · 4.625%
HK$160,511
+HK$8,038/mo
Deposit HK$12.22M · loan HK$28.51M · min. income ≈ HK$304,946/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,731,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,183
−HK$10,483/mo
▼ 0.25% · 3.875%
HK$172,383
−HK$5,283/mo
Today · 4.125%
HK$177,666
baseline
▲ 0.50% · 4.625%
HK$188,477
+HK$10,811/mo
Deposit HK$4.07M · loan HK$36.66M · min. income ≈ HK$355,332/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,731,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,989
−HK$10,048/mo
▼ 0.25% · 3.875%
HK$190,977
−HK$5,060/mo
Today · 4.125%
HK$196,037
baseline
▲ 0.50% · 4.625%
HK$206,371
+HK$10,334/mo
Deposit HK$4.07M · loan HK$36.66M · min. income ≈ HK$392,074/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,731,106 · Scale 2, in force from 26 Feb 2026)