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$92,934
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$95,824
−HK$2,937/mo
Today · 4.125%
HK$98,761
baseline
▲ 0.50% · 4.625%
HK$104,771
+HK$6,010/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$197,522/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,732,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,388
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,161
−HK$2,812/mo
Today · 4.125%
HK$108,973
baseline
▲ 0.50% · 4.625%
HK$114,718
+HK$5,745/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$217,946/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,732,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,520
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$114,989
−HK$3,525/mo
Today · 4.125%
HK$118,514
baseline
▲ 0.50% · 4.625%
HK$125,725
+HK$7,211/mo
Deposit HK$16.30M · loan HK$24.45M · min. income ≈ HK$237,028/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,732,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,065
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$127,393
−HK$3,375/mo
Today · 4.125%
HK$130,768
baseline
▲ 0.50% · 4.625%
HK$137,661
+HK$6,893/mo
Deposit HK$16.30M · loan HK$24.45M · min. income ≈ HK$261,536/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,732,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,107
−HK$8,159/mo
▼ 0.25% · 3.875%
HK$134,154
−HK$4,112/mo
Today · 4.125%
HK$138,266
baseline
▲ 0.50% · 4.625%
HK$146,679
+HK$8,413/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$276,532/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,743
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$148,625
−HK$3,938/mo
Today · 4.125%
HK$152,563
baseline
▲ 0.50% · 4.625%
HK$160,605
+HK$8,042/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$305,126/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,281
−HK$10,489/mo
▼ 0.25% · 3.875%
HK$172,484
−HK$5,286/mo
Today · 4.125%
HK$177,770
baseline
▲ 0.50% · 4.625%
HK$188,587
+HK$10,817/mo
Deposit HK$4.08M · loan HK$36.68M · min. income ≈ HK$355,540/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,098
−HK$10,054/mo
▼ 0.25% · 3.875%
HK$191,089
−HK$5,063/mo
Today · 4.125%
HK$196,152
baseline
▲ 0.50% · 4.625%
HK$206,492
+HK$10,340/mo
Deposit HK$4.08M · loan HK$36.68M · min. income ≈ HK$392,304/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,121 · Scale 2, in force from 26 Feb 2026)