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$92,846
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$95,734
−HK$2,934/mo
Today · 4.125%
HK$98,668
baseline
▲ 0.50% · 4.625%
HK$104,672
+HK$6,004/mo
Deposit HK$20.36M · loan HK$20.36M · min. income ≈ HK$197,336/mo (50% DSR)
Upfront cash ≈ HK$22.09M (deposit + AVD stamp duty HK$1,730,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,290
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$106,060
−HK$2,810/mo
Today · 4.125%
HK$108,870
baseline
▲ 0.50% · 4.625%
HK$114,609
+HK$5,739/mo
Deposit HK$20.36M · loan HK$20.36M · min. income ≈ HK$217,740/mo (50% DSR)
Upfront cash ≈ HK$22.09M (deposit + AVD stamp duty HK$1,730,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,415
−HK$6,986/mo
▼ 0.25% · 3.875%
HK$114,880
−HK$3,521/mo
Today · 4.125%
HK$118,401
baseline
▲ 0.50% · 4.625%
HK$125,606
+HK$7,205/mo
Deposit HK$16.29M · loan HK$24.43M · min. income ≈ HK$236,802/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,730,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,948
−HK$6,696/mo
▼ 0.25% · 3.875%
HK$127,272
−HK$3,372/mo
Today · 4.125%
HK$130,644
baseline
▲ 0.50% · 4.625%
HK$137,531
+HK$6,887/mo
Deposit HK$16.29M · loan HK$24.43M · min. income ≈ HK$261,288/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,730,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,984
−HK$8,151/mo
▼ 0.25% · 3.875%
HK$134,027
−HK$4,108/mo
Today · 4.125%
HK$138,135
baseline
▲ 0.50% · 4.625%
HK$146,540
+HK$8,405/mo
Deposit HK$12.22M · loan HK$28.50M · min. income ≈ HK$276,270/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,730,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,606
−HK$7,812/mo
▼ 0.25% · 3.875%
HK$148,484
−HK$3,934/mo
Today · 4.125%
HK$152,418
baseline
▲ 0.50% · 4.625%
HK$160,453
+HK$8,035/mo
Deposit HK$12.22M · loan HK$28.50M · min. income ≈ HK$304,836/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,730,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,122
−HK$10,480/mo
▼ 0.25% · 3.875%
HK$172,321
−HK$5,281/mo
Today · 4.125%
HK$177,602
baseline
▲ 0.50% · 4.625%
HK$188,409
+HK$10,807/mo
Deposit HK$4.07M · loan HK$36.65M · min. income ≈ HK$355,204/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,730,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,922
−HK$10,044/mo
▼ 0.25% · 3.875%
HK$190,908
−HK$5,058/mo
Today · 4.125%
HK$195,966
baseline
▲ 0.50% · 4.625%
HK$206,296
+HK$10,330/mo
Deposit HK$4.07M · loan HK$36.65M · min. income ≈ HK$391,932/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,730,481 · Scale 2, in force from 26 Feb 2026)