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$92,688
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$95,571
−HK$2,930/mo
Today · 4.125%
HK$98,501
baseline
▲ 0.50% · 4.625%
HK$104,494
+HK$5,993/mo
Deposit HK$20.32M · loan HK$20.32M · min. income ≈ HK$197,002/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$1,727,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,115
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$105,880
−HK$2,806/mo
Today · 4.125%
HK$108,686
baseline
▲ 0.50% · 4.625%
HK$114,415
+HK$5,729/mo
Deposit HK$20.32M · loan HK$20.32M · min. income ≈ HK$217,372/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$1,727,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,226
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$114,686
−HK$3,515/mo
Today · 4.125%
HK$118,201
baseline
▲ 0.50% · 4.625%
HK$125,393
+HK$7,192/mo
Deposit HK$16.26M · loan HK$24.39M · min. income ≈ HK$236,402/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,727,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,738
−HK$6,685/mo
▼ 0.25% · 3.875%
HK$127,056
−HK$3,367/mo
Today · 4.125%
HK$130,423
baseline
▲ 0.50% · 4.625%
HK$137,298
+HK$6,875/mo
Deposit HK$16.26M · loan HK$24.39M · min. income ≈ HK$260,846/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,727,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,763
−HK$8,138/mo
▼ 0.25% · 3.875%
HK$133,800
−HK$4,101/mo
Today · 4.125%
HK$137,901
baseline
▲ 0.50% · 4.625%
HK$146,292
+HK$8,391/mo
Deposit HK$12.19M · loan HK$28.45M · min. income ≈ HK$275,802/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,727,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,361
−HK$7,799/mo
▼ 0.25% · 3.875%
HK$148,232
−HK$3,928/mo
Today · 4.125%
HK$152,160
baseline
▲ 0.50% · 4.625%
HK$160,180
+HK$8,020/mo
Deposit HK$12.19M · loan HK$28.45M · min. income ≈ HK$304,320/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,727,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,839
−HK$10,462/mo
▼ 0.25% · 3.875%
HK$172,028
−HK$5,273/mo
Today · 4.125%
HK$177,301
baseline
▲ 0.50% · 4.625%
HK$188,089
+HK$10,788/mo
Deposit HK$4.06M · loan HK$36.58M · min. income ≈ HK$354,602/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,727,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,606
−HK$10,028/mo
▼ 0.25% · 3.875%
HK$190,584
−HK$5,050/mo
Today · 4.125%
HK$195,634
baseline
▲ 0.50% · 4.625%
HK$205,946
+HK$10,312/mo
Deposit HK$4.06M · loan HK$36.58M · min. income ≈ HK$391,268/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,727,547 · Scale 2, in force from 26 Feb 2026)