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$92,514
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,391
−HK$2,924/mo
Today · 4.125%
HK$98,315
baseline
▲ 0.50% · 4.625%
HK$104,297
+HK$5,982/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$196,630/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,920
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,681
−HK$2,800/mo
Today · 4.125%
HK$108,481
baseline
▲ 0.50% · 4.625%
HK$114,199
+HK$5,718/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$216,962/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,016
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$114,470
−HK$3,508/mo
Today · 4.125%
HK$117,978
baseline
▲ 0.50% · 4.625%
HK$125,157
+HK$7,179/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$235,956/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,505
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$126,817
−HK$3,360/mo
Today · 4.125%
HK$130,177
baseline
▲ 0.50% · 4.625%
HK$137,039
+HK$6,862/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$260,354/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,519
−HK$8,122/mo
▼ 0.25% · 3.875%
HK$133,548
−HK$4,093/mo
Today · 4.125%
HK$137,641
baseline
▲ 0.50% · 4.625%
HK$146,016
+HK$8,375/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$275,282/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,089
−HK$7,784/mo
▼ 0.25% · 3.875%
HK$147,953
−HK$3,920/mo
Today · 4.125%
HK$151,873
baseline
▲ 0.50% · 4.625%
HK$159,879
+HK$8,006/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$303,746/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,525
−HK$10,442/mo
▼ 0.25% · 3.875%
HK$171,704
−HK$5,263/mo
Today · 4.125%
HK$176,967
baseline
▲ 0.50% · 4.625%
HK$187,735
+HK$10,768/mo
Deposit HK$4.06M · loan HK$36.51M · min. income ≈ HK$353,934/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,257
−HK$10,009/mo
▼ 0.25% · 3.875%
HK$190,225
−HK$5,041/mo
Today · 4.125%
HK$195,266
baseline
▲ 0.50% · 4.625%
HK$205,558
+HK$10,292/mo
Deposit HK$4.06M · loan HK$36.51M · min. income ≈ HK$390,532/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,293 · Scale 2, in force from 26 Feb 2026)