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$92,871
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$95,760
−HK$2,935/mo
Today · 4.125%
HK$98,695
baseline
▲ 0.50% · 4.625%
HK$104,701
+HK$6,006/mo
Deposit HK$20.36M · loan HK$20.36M · min. income ≈ HK$197,390/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$1,730,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,318
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$106,089
−HK$2,811/mo
Today · 4.125%
HK$108,900
baseline
▲ 0.50% · 4.625%
HK$114,641
+HK$5,741/mo
Deposit HK$20.36M · loan HK$20.36M · min. income ≈ HK$217,800/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$1,730,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,446
−HK$6,988/mo
▼ 0.25% · 3.875%
HK$114,912
−HK$3,522/mo
Today · 4.125%
HK$118,434
baseline
▲ 0.50% · 4.625%
HK$125,641
+HK$7,207/mo
Deposit HK$16.29M · loan HK$24.44M · min. income ≈ HK$236,868/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,730,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,982
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$127,307
−HK$3,374/mo
Today · 4.125%
HK$130,681
baseline
▲ 0.50% · 4.625%
HK$137,569
+HK$6,888/mo
Deposit HK$16.29M · loan HK$24.44M · min. income ≈ HK$261,362/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,730,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,020
−HK$8,153/mo
▼ 0.25% · 3.875%
HK$134,064
−HK$4,109/mo
Today · 4.125%
HK$138,173
baseline
▲ 0.50% · 4.625%
HK$146,581
+HK$8,408/mo
Deposit HK$12.22M · loan HK$28.51M · min. income ≈ HK$276,346/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,730,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,646
−HK$7,815/mo
▼ 0.25% · 3.875%
HK$148,525
−HK$3,936/mo
Today · 4.125%
HK$152,461
baseline
▲ 0.50% · 4.625%
HK$160,497
+HK$8,036/mo
Deposit HK$12.22M · loan HK$28.51M · min. income ≈ HK$304,922/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,730,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,168
−HK$10,483/mo
▼ 0.25% · 3.875%
HK$172,368
−HK$5,283/mo
Today · 4.125%
HK$177,651
baseline
▲ 0.50% · 4.625%
HK$188,461
+HK$10,810/mo
Deposit HK$4.07M · loan HK$36.66M · min. income ≈ HK$355,302/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,730,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,973
−HK$10,048/mo
▼ 0.25% · 3.875%
HK$190,961
−HK$5,060/mo
Today · 4.125%
HK$196,021
baseline
▲ 0.50% · 4.625%
HK$206,353
+HK$10,332/mo
Deposit HK$4.07M · loan HK$36.66M · min. income ≈ HK$392,042/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,730,961 · Scale 2, in force from 26 Feb 2026)