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$92,939
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$95,830
−HK$2,937/mo
Today · 4.125%
HK$98,767
baseline
▲ 0.50% · 4.625%
HK$104,777
+HK$6,010/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$197,534/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,732,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,394
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$106,167
−HK$2,813/mo
Today · 4.125%
HK$108,980
baseline
▲ 0.50% · 4.625%
HK$114,725
+HK$5,745/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$217,960/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,732,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,527
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$114,996
−HK$3,525/mo
Today · 4.125%
HK$118,521
baseline
▲ 0.50% · 4.625%
HK$125,733
+HK$7,212/mo
Deposit HK$16.30M · loan HK$24.45M · min. income ≈ HK$237,042/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,073
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$127,400
−HK$3,376/mo
Today · 4.125%
HK$130,776
baseline
▲ 0.50% · 4.625%
HK$137,670
+HK$6,894/mo
Deposit HK$16.30M · loan HK$24.45M · min. income ≈ HK$261,552/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,115
−HK$8,159/mo
▼ 0.25% · 3.875%
HK$134,162
−HK$4,112/mo
Today · 4.125%
HK$138,274
baseline
▲ 0.50% · 4.625%
HK$146,688
+HK$8,414/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$276,548/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,752
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$148,634
−HK$3,938/mo
Today · 4.125%
HK$152,572
baseline
▲ 0.50% · 4.625%
HK$160,614
+HK$8,042/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$305,144/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,291
−HK$10,490/mo
▼ 0.25% · 3.875%
HK$172,494
−HK$5,287/mo
Today · 4.125%
HK$177,781
baseline
▲ 0.50% · 4.625%
HK$188,599
+HK$10,818/mo
Deposit HK$4.08M · loan HK$36.68M · min. income ≈ HK$355,562/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,109
−HK$10,055/mo
▼ 0.25% · 3.875%
HK$191,101
−HK$5,063/mo
Today · 4.125%
HK$196,164
baseline
▲ 0.50% · 4.625%
HK$206,504
+HK$10,340/mo
Deposit HK$4.08M · loan HK$36.68M · min. income ≈ HK$392,328/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,227 · Scale 2, in force from 26 Feb 2026)