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$93,685
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$96,600
−HK$2,960/mo
Today · 4.125%
HK$99,560
baseline
▲ 0.50% · 4.625%
HK$105,618
+HK$6,058/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$199,120/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,746,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,224
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$107,019
−HK$2,836/mo
Today · 4.125%
HK$109,855
baseline
▲ 0.50% · 4.625%
HK$115,646
+HK$5,791/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$219,710/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,746,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,422
−HK$7,050/mo
▼ 0.25% · 3.875%
HK$115,919
−HK$3,553/mo
Today · 4.125%
HK$119,472
baseline
▲ 0.50% · 4.625%
HK$126,742
+HK$7,270/mo
Deposit HK$16.43M · loan HK$24.65M · min. income ≈ HK$238,944/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,746,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,069
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$128,423
−HK$3,403/mo
Today · 4.125%
HK$131,826
baseline
▲ 0.50% · 4.625%
HK$138,775
+HK$6,949/mo
Deposit HK$16.43M · loan HK$24.65M · min. income ≈ HK$263,652/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,746,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,160
−HK$8,224/mo
▼ 0.25% · 3.875%
HK$135,239
−HK$4,145/mo
Today · 4.125%
HK$139,384
baseline
▲ 0.50% · 4.625%
HK$147,866
+HK$8,482/mo
Deposit HK$12.33M · loan HK$28.76M · min. income ≈ HK$278,768/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,746,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,914
−HK$7,883/mo
▼ 0.25% · 3.875%
HK$149,827
−HK$3,970/mo
Today · 4.125%
HK$153,797
baseline
▲ 0.50% · 4.625%
HK$161,904
+HK$8,107/mo
Deposit HK$12.33M · loan HK$28.76M · min. income ≈ HK$307,594/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,746,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,634
−HK$10,575/mo
▼ 0.25% · 3.875%
HK$173,879
−HK$5,330/mo
Today · 4.125%
HK$179,209
baseline
▲ 0.50% · 4.625%
HK$190,113
+HK$10,904/mo
Deposit HK$4.11M · loan HK$36.98M · min. income ≈ HK$358,418/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,746,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,603
−HK$10,136/mo
▼ 0.25% · 3.875%
HK$192,635
−HK$5,104/mo
Today · 4.125%
HK$197,739
baseline
▲ 0.50% · 4.625%
HK$208,162
+HK$10,423/mo
Deposit HK$4.11M · loan HK$36.98M · min. income ≈ HK$395,478/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,746,133 · Scale 2, in force from 26 Feb 2026)