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$92,989
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$95,882
−HK$2,939/mo
Today · 4.125%
HK$98,821
baseline
▲ 0.50% · 4.625%
HK$104,834
+HK$6,013/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$197,642/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,733,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,450
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$106,224
−HK$2,815/mo
Today · 4.125%
HK$109,039
baseline
▲ 0.50% · 4.625%
HK$114,786
+HK$5,747/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$218,078/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,733,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,587
−HK$6,998/mo
▼ 0.25% · 3.875%
HK$115,058
−HK$3,527/mo
Today · 4.125%
HK$118,585
baseline
▲ 0.50% · 4.625%
HK$125,800
+HK$7,215/mo
Deposit HK$16.31M · loan HK$24.47M · min. income ≈ HK$237,170/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,140
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$127,469
−HK$3,378/mo
Today · 4.125%
HK$130,847
baseline
▲ 0.50% · 4.625%
HK$137,744
+HK$6,897/mo
Deposit HK$16.31M · loan HK$24.47M · min. income ≈ HK$261,694/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,185
−HK$8,164/mo
▼ 0.25% · 3.875%
HK$134,235
−HK$4,114/mo
Today · 4.125%
HK$138,349
baseline
▲ 0.50% · 4.625%
HK$146,767
+HK$8,418/mo
Deposit HK$12.23M · loan HK$28.55M · min. income ≈ HK$276,698/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,830
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$148,714
−HK$3,940/mo
Today · 4.125%
HK$152,654
baseline
▲ 0.50% · 4.625%
HK$160,701
+HK$8,047/mo
Deposit HK$12.23M · loan HK$28.55M · min. income ≈ HK$305,308/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,381
−HK$10,496/mo
▼ 0.25% · 3.875%
HK$172,587
−HK$5,290/mo
Today · 4.125%
HK$177,877
baseline
▲ 0.50% · 4.625%
HK$188,701
+HK$10,824/mo
Deposit HK$4.08M · loan HK$36.70M · min. income ≈ HK$355,754/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,210
−HK$10,060/mo
▼ 0.25% · 3.875%
HK$191,204
−HK$5,066/mo
Today · 4.125%
HK$196,270
baseline
▲ 0.50% · 4.625%
HK$206,616
+HK$10,346/mo
Deposit HK$4.08M · loan HK$36.70M · min. income ≈ HK$392,540/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,161 · Scale 2, in force from 26 Feb 2026)