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$92,990
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$95,883
−HK$2,939/mo
Today · 4.125%
HK$98,822
baseline
▲ 0.50% · 4.625%
HK$104,835
+HK$6,013/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$197,644/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,733,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,451
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$106,225
−HK$2,815/mo
Today · 4.125%
HK$109,040
baseline
▲ 0.50% · 4.625%
HK$114,788
+HK$5,748/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$218,080/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,733,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,588
−HK$6,998/mo
▼ 0.25% · 3.875%
HK$115,059
−HK$3,527/mo
Today · 4.125%
HK$118,586
baseline
▲ 0.50% · 4.625%
HK$125,802
+HK$7,216/mo
Deposit HK$16.31M · loan HK$24.47M · min. income ≈ HK$237,172/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,141
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$127,470
−HK$3,378/mo
Today · 4.125%
HK$130,848
baseline
▲ 0.50% · 4.625%
HK$137,745
+HK$6,897/mo
Deposit HK$16.31M · loan HK$24.47M · min. income ≈ HK$261,696/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,186
−HK$8,164/mo
▼ 0.25% · 3.875%
HK$134,236
−HK$4,114/mo
Today · 4.125%
HK$138,350
baseline
▲ 0.50% · 4.625%
HK$146,769
+HK$8,419/mo
Deposit HK$12.23M · loan HK$28.55M · min. income ≈ HK$276,700/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,831
−HK$7,825/mo
▼ 0.25% · 3.875%
HK$148,715
−HK$3,941/mo
Today · 4.125%
HK$152,656
baseline
▲ 0.50% · 4.625%
HK$160,703
+HK$8,047/mo
Deposit HK$12.23M · loan HK$28.55M · min. income ≈ HK$305,312/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,383
−HK$10,496/mo
▼ 0.25% · 3.875%
HK$172,589
−HK$5,290/mo
Today · 4.125%
HK$177,879
baseline
▲ 0.50% · 4.625%
HK$188,703
+HK$10,824/mo
Deposit HK$4.08M · loan HK$36.70M · min. income ≈ HK$355,758/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,211
−HK$10,061/mo
▼ 0.25% · 3.875%
HK$191,206
−HK$5,066/mo
Today · 4.125%
HK$196,272
baseline
▲ 0.50% · 4.625%
HK$206,618
+HK$10,346/mo
Deposit HK$4.08M · loan HK$36.70M · min. income ≈ HK$392,544/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,178 · Scale 2, in force from 26 Feb 2026)