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$92,947
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$95,838
−HK$2,937/mo
Today · 4.125%
HK$98,775
baseline
▲ 0.50% · 4.625%
HK$104,786
+HK$6,011/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$197,550/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,732,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,402
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$106,176
−HK$2,813/mo
Today · 4.125%
HK$108,989
baseline
▲ 0.50% · 4.625%
HK$114,734
+HK$5,745/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$217,978/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,732,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,536
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$115,006
−HK$3,525/mo
Today · 4.125%
HK$118,531
baseline
▲ 0.50% · 4.625%
HK$125,743
+HK$7,212/mo
Deposit HK$16.30M · loan HK$24.46M · min. income ≈ HK$237,062/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,083
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$127,411
−HK$3,376/mo
Today · 4.125%
HK$130,787
baseline
▲ 0.50% · 4.625%
HK$137,681
+HK$6,894/mo
Deposit HK$16.30M · loan HK$24.46M · min. income ≈ HK$261,574/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,126
−HK$8,160/mo
▼ 0.25% · 3.875%
HK$134,173
−HK$4,113/mo
Today · 4.125%
HK$138,286
baseline
▲ 0.50% · 4.625%
HK$146,700
+HK$8,414/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$276,572/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,763
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$148,646
−HK$3,939/mo
Today · 4.125%
HK$152,585
baseline
▲ 0.50% · 4.625%
HK$160,627
+HK$8,042/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$305,170/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,304
−HK$10,492/mo
▼ 0.25% · 3.875%
HK$172,508
−HK$5,288/mo
Today · 4.125%
HK$177,796
baseline
▲ 0.50% · 4.625%
HK$188,614
+HK$10,818/mo
Deposit HK$4.08M · loan HK$36.69M · min. income ≈ HK$355,592/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,124
−HK$10,056/mo
▼ 0.25% · 3.875%
HK$191,116
−HK$5,064/mo
Today · 4.125%
HK$196,180
baseline
▲ 0.50% · 4.625%
HK$206,521
+HK$10,341/mo
Deposit HK$4.08M · loan HK$36.69M · min. income ≈ HK$392,360/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,368 · Scale 2, in force from 26 Feb 2026)