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$92,927
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$95,818
−HK$2,937/mo
Today · 4.125%
HK$98,755
baseline
▲ 0.50% · 4.625%
HK$104,764
+HK$6,009/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$197,510/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,732,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,381
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,153
−HK$2,813/mo
Today · 4.125%
HK$108,966
baseline
▲ 0.50% · 4.625%
HK$114,710
+HK$5,744/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$217,932/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,732,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,513
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$114,981
−HK$3,524/mo
Today · 4.125%
HK$118,505
baseline
▲ 0.50% · 4.625%
HK$125,716
+HK$7,211/mo
Deposit HK$16.30M · loan HK$24.45M · min. income ≈ HK$237,010/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,732,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,057
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$127,384
−HK$3,375/mo
Today · 4.125%
HK$130,759
baseline
▲ 0.50% · 4.625%
HK$137,652
+HK$6,893/mo
Deposit HK$16.30M · loan HK$24.45M · min. income ≈ HK$261,518/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,732,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,098
−HK$8,158/mo
▼ 0.25% · 3.875%
HK$134,145
−HK$4,111/mo
Today · 4.125%
HK$138,256
baseline
▲ 0.50% · 4.625%
HK$146,669
+HK$8,413/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$276,512/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,733
−HK$7,819/mo
▼ 0.25% · 3.875%
HK$148,615
−HK$3,937/mo
Today · 4.125%
HK$152,552
baseline
▲ 0.50% · 4.625%
HK$160,594
+HK$8,042/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$305,104/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,269
−HK$10,489/mo
▼ 0.25% · 3.875%
HK$172,472
−HK$5,286/mo
Today · 4.125%
HK$177,758
baseline
▲ 0.50% · 4.625%
HK$188,574
+HK$10,816/mo
Deposit HK$4.08M · loan HK$36.68M · min. income ≈ HK$355,516/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,085
−HK$10,054/mo
▼ 0.25% · 3.875%
HK$191,076
−HK$5,063/mo
Today · 4.125%
HK$196,139
baseline
▲ 0.50% · 4.625%
HK$206,477
+HK$10,338/mo
Deposit HK$4.08M · loan HK$36.68M · min. income ≈ HK$392,278/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,002 · Scale 2, in force from 26 Feb 2026)