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$92,402
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,276
−HK$2,921/mo
Today · 4.125%
HK$98,197
baseline
▲ 0.50% · 4.625%
HK$104,172
+HK$5,975/mo
Deposit HK$20.26M · loan HK$20.26M · min. income ≈ HK$196,394/mo (50% DSR)
Upfront cash ≈ HK$21.98M (deposit + AVD stamp duty HK$1,722,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,796
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,553
−HK$2,797/mo
Today · 4.125%
HK$108,350
baseline
▲ 0.50% · 4.625%
HK$114,062
+HK$5,712/mo
Deposit HK$20.26M · loan HK$20.26M · min. income ≈ HK$216,700/mo (50% DSR)
Upfront cash ≈ HK$21.98M (deposit + AVD stamp duty HK$1,722,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,883
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$114,332
−HK$3,504/mo
Today · 4.125%
HK$117,836
baseline
▲ 0.50% · 4.625%
HK$125,006
+HK$7,170/mo
Deposit HK$16.21M · loan HK$24.31M · min. income ≈ HK$235,672/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,722,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,356
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$126,664
−HK$3,356/mo
Today · 4.125%
HK$130,020
baseline
▲ 0.50% · 4.625%
HK$136,874
+HK$6,854/mo
Deposit HK$16.21M · loan HK$24.31M · min. income ≈ HK$260,040/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,722,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,363
−HK$8,112/mo
▼ 0.25% · 3.875%
HK$133,387
−HK$4,088/mo
Today · 4.125%
HK$137,475
baseline
▲ 0.50% · 4.625%
HK$145,840
+HK$8,365/mo
Deposit HK$12.16M · loan HK$28.37M · min. income ≈ HK$274,950/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,915
−HK$7,775/mo
▼ 0.25% · 3.875%
HK$147,775
−HK$3,915/mo
Today · 4.125%
HK$151,690
baseline
▲ 0.50% · 4.625%
HK$159,686
+HK$7,996/mo
Deposit HK$12.16M · loan HK$28.37M · min. income ≈ HK$303,380/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,324
−HK$10,430/mo
▼ 0.25% · 3.875%
HK$171,497
−HK$5,257/mo
Today · 4.125%
HK$176,754
baseline
▲ 0.50% · 4.625%
HK$187,509
+HK$10,755/mo
Deposit HK$4.05M · loan HK$36.47M · min. income ≈ HK$353,508/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,722,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,034
−HK$9,996/mo
▼ 0.25% · 3.875%
HK$189,996
−HK$5,034/mo
Today · 4.125%
HK$195,030
baseline
▲ 0.50% · 4.625%
HK$205,311
+HK$10,281/mo
Deposit HK$4.05M · loan HK$36.47M · min. income ≈ HK$390,060/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,722,215 · Scale 2, in force from 26 Feb 2026)