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$92,406
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,280
−HK$2,920/mo
Today · 4.125%
HK$98,200
baseline
▲ 0.50% · 4.625%
HK$104,176
+HK$5,976/mo
Deposit HK$20.26M · loan HK$20.26M · min. income ≈ HK$196,400/mo (50% DSR)
Upfront cash ≈ HK$21.98M (deposit + AVD stamp duty HK$1,722,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,800
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,558
−HK$2,796/mo
Today · 4.125%
HK$108,354
baseline
▲ 0.50% · 4.625%
HK$114,066
+HK$5,712/mo
Deposit HK$20.26M · loan HK$20.26M · min. income ≈ HK$216,708/mo (50% DSR)
Upfront cash ≈ HK$21.98M (deposit + AVD stamp duty HK$1,722,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,887
−HK$6,954/mo
▼ 0.25% · 3.875%
HK$114,336
−HK$3,505/mo
Today · 4.125%
HK$117,841
baseline
▲ 0.50% · 4.625%
HK$125,011
+HK$7,170/mo
Deposit HK$16.21M · loan HK$24.31M · min. income ≈ HK$235,682/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,722,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,361
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$126,669
−HK$3,356/mo
Today · 4.125%
HK$130,025
baseline
▲ 0.50% · 4.625%
HK$136,879
+HK$6,854/mo
Deposit HK$16.21M · loan HK$24.31M · min. income ≈ HK$260,050/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,722,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,368
−HK$8,113/mo
▼ 0.25% · 3.875%
HK$133,392
−HK$4,089/mo
Today · 4.125%
HK$137,481
baseline
▲ 0.50% · 4.625%
HK$145,846
+HK$8,365/mo
Deposit HK$12.16M · loan HK$28.37M · min. income ≈ HK$274,962/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,921
−HK$7,775/mo
▼ 0.25% · 3.875%
HK$147,781
−HK$3,915/mo
Today · 4.125%
HK$151,696
baseline
▲ 0.50% · 4.625%
HK$159,692
+HK$7,996/mo
Deposit HK$12.16M · loan HK$28.37M · min. income ≈ HK$303,392/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,330
−HK$10,431/mo
▼ 0.25% · 3.875%
HK$171,504
−HK$5,257/mo
Today · 4.125%
HK$176,761
baseline
▲ 0.50% · 4.625%
HK$187,516
+HK$10,755/mo
Deposit HK$4.05M · loan HK$36.47M · min. income ≈ HK$353,522/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,722,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,041
−HK$9,997/mo
▼ 0.25% · 3.875%
HK$190,004
−HK$5,034/mo
Today · 4.125%
HK$195,038
baseline
▲ 0.50% · 4.625%
HK$205,319
+HK$10,281/mo
Deposit HK$4.05M · loan HK$36.47M · min. income ≈ HK$390,076/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,722,283 · Scale 2, in force from 26 Feb 2026)