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$92,767
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,653
−HK$2,932/mo
Today · 4.125%
HK$98,585
baseline
▲ 0.50% · 4.625%
HK$104,583
+HK$5,998/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$197,170/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,203
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,971
−HK$2,808/mo
Today · 4.125%
HK$108,779
baseline
▲ 0.50% · 4.625%
HK$114,512
+HK$5,733/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$217,558/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,321
−HK$6,981/mo
▼ 0.25% · 3.875%
HK$114,784
−HK$3,518/mo
Today · 4.125%
HK$118,302
baseline
▲ 0.50% · 4.625%
HK$125,500
+HK$7,198/mo
Deposit HK$16.27M · loan HK$24.41M · min. income ≈ HK$236,604/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,729,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,843
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$127,165
−HK$3,369/mo
Today · 4.125%
HK$130,534
baseline
▲ 0.50% · 4.625%
HK$137,415
+HK$6,881/mo
Deposit HK$16.27M · loan HK$24.41M · min. income ≈ HK$261,068/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,729,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,874
−HK$8,145/mo
▼ 0.25% · 3.875%
HK$133,914
−HK$4,105/mo
Today · 4.125%
HK$138,019
baseline
▲ 0.50% · 4.625%
HK$146,417
+HK$8,398/mo
Deposit HK$12.20M · loan HK$28.48M · min. income ≈ HK$276,038/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,729,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,484
−HK$7,806/mo
▼ 0.25% · 3.875%
HK$148,359
−HK$3,931/mo
Today · 4.125%
HK$152,290
baseline
▲ 0.50% · 4.625%
HK$160,317
+HK$8,027/mo
Deposit HK$12.20M · loan HK$28.48M · min. income ≈ HK$304,580/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,729,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,981
−HK$10,472/mo
▼ 0.25% · 3.875%
HK$172,175
−HK$5,278/mo
Today · 4.125%
HK$177,453
baseline
▲ 0.50% · 4.625%
HK$188,250
+HK$10,797/mo
Deposit HK$4.07M · loan HK$36.61M · min. income ≈ HK$354,906/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,765
−HK$10,036/mo
▼ 0.25% · 3.875%
HK$190,747
−HK$5,054/mo
Today · 4.125%
HK$195,801
baseline
▲ 0.50% · 4.625%
HK$206,122
+HK$10,321/mo
Deposit HK$4.07M · loan HK$36.61M · min. income ≈ HK$391,602/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,023 · Scale 2, in force from 26 Feb 2026)