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$92,958
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$95,850
−HK$2,938/mo
Today · 4.125%
HK$98,788
baseline
▲ 0.50% · 4.625%
HK$104,798
+HK$6,010/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$197,576/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,415
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$106,189
−HK$2,813/mo
Today · 4.125%
HK$109,002
baseline
▲ 0.50% · 4.625%
HK$114,748
+HK$5,746/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$218,004/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,550
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$115,020
−HK$3,525/mo
Today · 4.125%
HK$118,545
baseline
▲ 0.50% · 4.625%
HK$125,758
+HK$7,213/mo
Deposit HK$16.31M · loan HK$24.46M · min. income ≈ HK$237,090/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,098
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$127,426
−HK$3,377/mo
Today · 4.125%
HK$130,803
baseline
▲ 0.50% · 4.625%
HK$137,698
+HK$6,895/mo
Deposit HK$16.31M · loan HK$24.46M · min. income ≈ HK$261,606/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,141
−HK$8,162/mo
▼ 0.25% · 3.875%
HK$134,190
−HK$4,113/mo
Today · 4.125%
HK$138,303
baseline
▲ 0.50% · 4.625%
HK$146,718
+HK$8,415/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$276,606/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,781
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$148,664
−HK$3,939/mo
Today · 4.125%
HK$152,603
baseline
▲ 0.50% · 4.625%
HK$160,647
+HK$8,044/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$305,206/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,325
−HK$10,493/mo
▼ 0.25% · 3.875%
HK$172,530
−HK$5,288/mo
Today · 4.125%
HK$177,818
baseline
▲ 0.50% · 4.625%
HK$188,637
+HK$10,819/mo
Deposit HK$4.08M · loan HK$36.69M · min. income ≈ HK$355,636/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,147
−HK$10,057/mo
▼ 0.25% · 3.875%
HK$191,139
−HK$5,065/mo
Today · 4.125%
HK$196,204
baseline
▲ 0.50% · 4.625%
HK$206,546
+HK$10,342/mo
Deposit HK$4.08M · loan HK$36.69M · min. income ≈ HK$392,408/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,579 · Scale 2, in force from 26 Feb 2026)