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$92,773
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,659
−HK$2,932/mo
Today · 4.125%
HK$98,591
baseline
▲ 0.50% · 4.625%
HK$104,590
+HK$5,999/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$197,182/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,209
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,977
−HK$2,808/mo
Today · 4.125%
HK$108,785
baseline
▲ 0.50% · 4.625%
HK$114,519
+HK$5,734/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$217,570/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,328
−HK$6,981/mo
▼ 0.25% · 3.875%
HK$114,791
−HK$3,518/mo
Today · 4.125%
HK$118,309
baseline
▲ 0.50% · 4.625%
HK$125,508
+HK$7,199/mo
Deposit HK$16.27M · loan HK$24.41M · min. income ≈ HK$236,618/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,729,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,851
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$127,173
−HK$3,369/mo
Today · 4.125%
HK$130,542
baseline
▲ 0.50% · 4.625%
HK$137,423
+HK$6,881/mo
Deposit HK$16.27M · loan HK$24.41M · min. income ≈ HK$261,084/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,729,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,882
−HK$8,145/mo
▼ 0.25% · 3.875%
HK$133,922
−HK$4,105/mo
Today · 4.125%
HK$138,027
baseline
▲ 0.50% · 4.625%
HK$146,426
+HK$8,399/mo
Deposit HK$12.21M · loan HK$28.48M · min. income ≈ HK$276,054/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,729,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,493
−HK$7,806/mo
▼ 0.25% · 3.875%
HK$148,368
−HK$3,931/mo
Today · 4.125%
HK$152,299
baseline
▲ 0.50% · 4.625%
HK$160,327
+HK$8,028/mo
Deposit HK$12.21M · loan HK$28.48M · min. income ≈ HK$304,598/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,729,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,992
−HK$10,471/mo
▼ 0.25% · 3.875%
HK$172,186
−HK$5,277/mo
Today · 4.125%
HK$177,463
baseline
▲ 0.50% · 4.625%
HK$188,262
+HK$10,799/mo
Deposit HK$4.07M · loan HK$36.62M · min. income ≈ HK$354,926/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,776
−HK$10,037/mo
▼ 0.25% · 3.875%
HK$190,759
−HK$5,054/mo
Today · 4.125%
HK$195,813
baseline
▲ 0.50% · 4.625%
HK$206,135
+HK$10,322/mo
Deposit HK$4.07M · loan HK$36.62M · min. income ≈ HK$391,626/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,128 · Scale 2, in force from 26 Feb 2026)