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$92,957
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,848
−HK$2,938/mo
Today · 4.125%
HK$98,786
baseline
▲ 0.50% · 4.625%
HK$104,797
+HK$6,011/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$197,572/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,413
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$106,187
−HK$2,814/mo
Today · 4.125%
HK$109,001
baseline
▲ 0.50% · 4.625%
HK$114,746
+HK$5,745/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$218,002/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,548
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$115,018
−HK$3,525/mo
Today · 4.125%
HK$118,543
baseline
▲ 0.50% · 4.625%
HK$125,756
+HK$7,213/mo
Deposit HK$16.31M · loan HK$24.46M · min. income ≈ HK$237,086/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,096
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$127,424
−HK$3,377/mo
Today · 4.125%
HK$130,801
baseline
▲ 0.50% · 4.625%
HK$137,695
+HK$6,894/mo
Deposit HK$16.31M · loan HK$24.46M · min. income ≈ HK$261,602/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,139
−HK$8,161/mo
▼ 0.25% · 3.875%
HK$134,188
−HK$4,112/mo
Today · 4.125%
HK$138,300
baseline
▲ 0.50% · 4.625%
HK$146,716
+HK$8,416/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$276,600/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,779
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$148,662
−HK$3,939/mo
Today · 4.125%
HK$152,601
baseline
▲ 0.50% · 4.625%
HK$160,645
+HK$8,044/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$305,202/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,322
−HK$10,493/mo
▼ 0.25% · 3.875%
HK$172,527
−HK$5,288/mo
Today · 4.125%
HK$177,815
baseline
▲ 0.50% · 4.625%
HK$188,634
+HK$10,819/mo
Deposit HK$4.08M · loan HK$36.69M · min. income ≈ HK$355,630/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,144
−HK$10,057/mo
▼ 0.25% · 3.875%
HK$191,136
−HK$5,065/mo
Today · 4.125%
HK$196,201
baseline
▲ 0.50% · 4.625%
HK$206,543
+HK$10,342/mo
Deposit HK$4.08M · loan HK$36.69M · min. income ≈ HK$392,402/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,552 · Scale 2, in force from 26 Feb 2026)