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$92,883
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$95,772
−HK$2,935/mo
Today · 4.125%
HK$98,707
baseline
▲ 0.50% · 4.625%
HK$104,713
+HK$6,006/mo
Deposit HK$20.37M · loan HK$20.37M · min. income ≈ HK$197,414/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$1,731,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,331
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$106,102
−HK$2,812/mo
Today · 4.125%
HK$108,914
baseline
▲ 0.50% · 4.625%
HK$114,655
+HK$5,741/mo
Deposit HK$20.37M · loan HK$20.37M · min. income ≈ HK$217,828/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$1,731,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,459
−HK$6,990/mo
▼ 0.25% · 3.875%
HK$114,926
−HK$3,523/mo
Today · 4.125%
HK$118,449
baseline
▲ 0.50% · 4.625%
HK$125,656
+HK$7,207/mo
Deposit HK$16.29M · loan HK$24.44M · min. income ≈ HK$236,898/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,731,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,997
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$127,323
−HK$3,373/mo
Today · 4.125%
HK$130,696
baseline
▲ 0.50% · 4.625%
HK$137,586
+HK$6,890/mo
Deposit HK$16.29M · loan HK$24.44M · min. income ≈ HK$261,392/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,731,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,036
−HK$8,154/mo
▼ 0.25% · 3.875%
HK$134,081
−HK$4,109/mo
Today · 4.125%
HK$138,190
baseline
▲ 0.50% · 4.625%
HK$146,599
+HK$8,409/mo
Deposit HK$12.22M · loan HK$28.51M · min. income ≈ HK$276,380/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,731,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,664
−HK$7,815/mo
▼ 0.25% · 3.875%
HK$148,543
−HK$3,936/mo
Today · 4.125%
HK$152,479
baseline
▲ 0.50% · 4.625%
HK$160,517
+HK$8,038/mo
Deposit HK$12.22M · loan HK$28.51M · min. income ≈ HK$304,958/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,731,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,189
−HK$10,484/mo
▼ 0.25% · 3.875%
HK$172,389
−HK$5,284/mo
Today · 4.125%
HK$177,673
baseline
▲ 0.50% · 4.625%
HK$188,484
+HK$10,811/mo
Deposit HK$4.07M · loan HK$36.66M · min. income ≈ HK$355,346/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,731,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,996
−HK$10,049/mo
▼ 0.25% · 3.875%
HK$190,984
−HK$5,061/mo
Today · 4.125%
HK$196,045
baseline
▲ 0.50% · 4.625%
HK$206,379
+HK$10,334/mo
Deposit HK$4.07M · loan HK$36.66M · min. income ≈ HK$392,090/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,731,172 · Scale 2, in force from 26 Feb 2026)