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$92,849
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$95,737
−HK$2,935/mo
Today · 4.125%
HK$98,672
baseline
▲ 0.50% · 4.625%
HK$104,676
+HK$6,004/mo
Deposit HK$20.36M · loan HK$20.36M · min. income ≈ HK$197,344/mo (50% DSR)
Upfront cash ≈ HK$22.09M (deposit + AVD stamp duty HK$1,730,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,294
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$106,064
−HK$2,811/mo
Today · 4.125%
HK$108,875
baseline
▲ 0.50% · 4.625%
HK$114,613
+HK$5,738/mo
Deposit HK$20.36M · loan HK$20.36M · min. income ≈ HK$217,750/mo (50% DSR)
Upfront cash ≈ HK$22.09M (deposit + AVD stamp duty HK$1,730,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,419
−HK$6,987/mo
▼ 0.25% · 3.875%
HK$114,885
−HK$3,521/mo
Today · 4.125%
HK$118,406
baseline
▲ 0.50% · 4.625%
HK$125,611
+HK$7,205/mo
Deposit HK$16.29M · loan HK$24.43M · min. income ≈ HK$236,812/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,730,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,953
−HK$6,696/mo
▼ 0.25% · 3.875%
HK$127,277
−HK$3,372/mo
Today · 4.125%
HK$130,649
baseline
▲ 0.50% · 4.625%
HK$137,536
+HK$6,887/mo
Deposit HK$16.29M · loan HK$24.43M · min. income ≈ HK$261,298/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,730,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,989
−HK$8,151/mo
▼ 0.25% · 3.875%
HK$134,032
−HK$4,108/mo
Today · 4.125%
HK$138,140
baseline
▲ 0.50% · 4.625%
HK$146,546
+HK$8,406/mo
Deposit HK$12.22M · loan HK$28.50M · min. income ≈ HK$276,280/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,730,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,611
−HK$7,813/mo
▼ 0.25% · 3.875%
HK$148,490
−HK$3,934/mo
Today · 4.125%
HK$152,424
baseline
▲ 0.50% · 4.625%
HK$160,459
+HK$8,035/mo
Deposit HK$12.22M · loan HK$28.50M · min. income ≈ HK$304,848/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,730,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,129
−HK$10,480/mo
▼ 0.25% · 3.875%
HK$172,327
−HK$5,282/mo
Today · 4.125%
HK$177,609
baseline
▲ 0.50% · 4.625%
HK$188,416
+HK$10,807/mo
Deposit HK$4.07M · loan HK$36.65M · min. income ≈ HK$355,218/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,730,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,929
−HK$10,045/mo
▼ 0.25% · 3.875%
HK$190,915
−HK$5,059/mo
Today · 4.125%
HK$195,974
baseline
▲ 0.50% · 4.625%
HK$206,304
+HK$10,330/mo
Deposit HK$4.07M · loan HK$36.65M · min. income ≈ HK$391,948/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,730,548 · Scale 2, in force from 26 Feb 2026)