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$92,980
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$95,872
−HK$2,939/mo
Today · 4.125%
HK$98,811
baseline
▲ 0.50% · 4.625%
HK$104,823
+HK$6,012/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$197,622/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,440
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$106,214
−HK$2,814/mo
Today · 4.125%
HK$109,028
baseline
▲ 0.50% · 4.625%
HK$114,775
+HK$5,747/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$218,056/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,576
−HK$6,997/mo
▼ 0.25% · 3.875%
HK$115,047
−HK$3,526/mo
Today · 4.125%
HK$118,573
baseline
▲ 0.50% · 4.625%
HK$125,788
+HK$7,215/mo
Deposit HK$16.31M · loan HK$24.47M · min. income ≈ HK$237,146/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,127
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$127,456
−HK$3,378/mo
Today · 4.125%
HK$130,834
baseline
▲ 0.50% · 4.625%
HK$137,730
+HK$6,896/mo
Deposit HK$16.31M · loan HK$24.47M · min. income ≈ HK$261,668/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,172
−HK$8,163/mo
▼ 0.25% · 3.875%
HK$134,221
−HK$4,114/mo
Today · 4.125%
HK$138,335
baseline
▲ 0.50% · 4.625%
HK$146,753
+HK$8,418/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$276,670/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,732,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,815
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$148,699
−HK$3,940/mo
Today · 4.125%
HK$152,639
baseline
▲ 0.50% · 4.625%
HK$160,685
+HK$8,046/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$305,278/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,732,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,364
−HK$10,496/mo
▼ 0.25% · 3.875%
HK$172,570
−HK$5,290/mo
Today · 4.125%
HK$177,860
baseline
▲ 0.50% · 4.625%
HK$188,682
+HK$10,822/mo
Deposit HK$4.08M · loan HK$36.70M · min. income ≈ HK$355,720/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,191
−HK$10,060/mo
▼ 0.25% · 3.875%
HK$191,185
−HK$5,066/mo
Today · 4.125%
HK$196,251
baseline
▲ 0.50% · 4.625%
HK$206,595
+HK$10,344/mo
Deposit HK$4.08M · loan HK$36.70M · min. income ≈ HK$392,502/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,989 · Scale 2, in force from 26 Feb 2026)