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$92,439
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$95,314
−HK$2,921/mo
Today · 4.125%
HK$98,235
baseline
▲ 0.50% · 4.625%
HK$104,213
+HK$5,978/mo
Deposit HK$20.27M · loan HK$20.27M · min. income ≈ HK$196,470/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$1,722,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,837
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$105,595
−HK$2,798/mo
Today · 4.125%
HK$108,393
baseline
▲ 0.50% · 4.625%
HK$114,106
+HK$5,713/mo
Deposit HK$20.27M · loan HK$20.27M · min. income ≈ HK$216,786/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$1,722,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,926
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$114,377
−HK$3,505/mo
Today · 4.125%
HK$117,882
baseline
▲ 0.50% · 4.625%
HK$125,055
+HK$7,173/mo
Deposit HK$16.22M · loan HK$24.32M · min. income ≈ HK$235,764/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,722,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,404
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$126,714
−HK$3,357/mo
Today · 4.125%
HK$130,071
baseline
▲ 0.50% · 4.625%
HK$136,928
+HK$6,857/mo
Deposit HK$16.22M · loan HK$24.32M · min. income ≈ HK$260,142/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,722,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,414
−HK$8,115/mo
▼ 0.25% · 3.875%
HK$133,439
−HK$4,090/mo
Today · 4.125%
HK$137,529
baseline
▲ 0.50% · 4.625%
HK$145,898
+HK$8,369/mo
Deposit HK$12.16M · loan HK$28.38M · min. income ≈ HK$275,058/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,972
−HK$7,778/mo
▼ 0.25% · 3.875%
HK$147,833
−HK$3,917/mo
Today · 4.125%
HK$151,750
baseline
▲ 0.50% · 4.625%
HK$159,749
+HK$7,999/mo
Deposit HK$12.16M · loan HK$28.38M · min. income ≈ HK$303,500/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,389
−HK$10,434/mo
▼ 0.25% · 3.875%
HK$171,565
−HK$5,258/mo
Today · 4.125%
HK$176,823
baseline
▲ 0.50% · 4.625%
HK$187,583
+HK$10,760/mo
Deposit HK$4.05M · loan HK$36.48M · min. income ≈ HK$353,646/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,722,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,106
−HK$10,001/mo
▼ 0.25% · 3.875%
HK$190,071
−HK$5,036/mo
Today · 4.125%
HK$195,107
baseline
▲ 0.50% · 4.625%
HK$205,392
+HK$10,285/mo
Deposit HK$4.05M · loan HK$36.48M · min. income ≈ HK$390,214/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,722,893 · Scale 2, in force from 26 Feb 2026)