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$92,416
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$95,291
−HK$2,921/mo
Today · 4.125%
HK$98,212
baseline
▲ 0.50% · 4.625%
HK$104,187
+HK$5,975/mo
Deposit HK$20.26M · loan HK$20.26M · min. income ≈ HK$196,424/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$1,722,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,812
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$105,569
−HK$2,798/mo
Today · 4.125%
HK$108,367
baseline
▲ 0.50% · 4.625%
HK$114,079
+HK$5,712/mo
Deposit HK$20.26M · loan HK$20.26M · min. income ≈ HK$216,734/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$1,722,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,899
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$114,349
−HK$3,505/mo
Today · 4.125%
HK$117,854
baseline
▲ 0.50% · 4.625%
HK$125,025
+HK$7,171/mo
Deposit HK$16.21M · loan HK$24.32M · min. income ≈ HK$235,708/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,722,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,375
−HK$6,665/mo
▼ 0.25% · 3.875%
HK$126,683
−HK$3,357/mo
Today · 4.125%
HK$130,040
baseline
▲ 0.50% · 4.625%
HK$136,895
+HK$6,855/mo
Deposit HK$16.21M · loan HK$24.32M · min. income ≈ HK$260,080/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,722,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,383
−HK$8,113/mo
▼ 0.25% · 3.875%
HK$133,407
−HK$4,089/mo
Today · 4.125%
HK$137,496
baseline
▲ 0.50% · 4.625%
HK$145,862
+HK$8,366/mo
Deposit HK$12.16M · loan HK$28.37M · min. income ≈ HK$274,992/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,937
−HK$7,776/mo
▼ 0.25% · 3.875%
HK$147,797
−HK$3,916/mo
Today · 4.125%
HK$151,713
baseline
▲ 0.50% · 4.625%
HK$159,710
+HK$7,997/mo
Deposit HK$12.16M · loan HK$28.37M · min. income ≈ HK$303,426/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,349
−HK$10,432/mo
▼ 0.25% · 3.875%
HK$171,524
−HK$5,257/mo
Today · 4.125%
HK$176,781
baseline
▲ 0.50% · 4.625%
HK$187,537
+HK$10,756/mo
Deposit HK$4.05M · loan HK$36.48M · min. income ≈ HK$353,562/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,722,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,062
−HK$9,998/mo
▼ 0.25% · 3.875%
HK$190,025
−HK$5,035/mo
Today · 4.125%
HK$195,060
baseline
▲ 0.50% · 4.625%
HK$205,342
+HK$10,282/mo
Deposit HK$4.05M · loan HK$36.48M · min. income ≈ HK$390,120/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,722,477 · Scale 2, in force from 26 Feb 2026)