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$92,716
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$95,600
−HK$2,930/mo
Today · 4.125%
HK$98,530
baseline
▲ 0.50% · 4.625%
HK$104,525
+HK$5,995/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$197,060/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,146
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$105,912
−HK$2,806/mo
Today · 4.125%
HK$108,718
baseline
▲ 0.50% · 4.625%
HK$114,449
+HK$5,731/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$217,436/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,259
−HK$6,977/mo
▼ 0.25% · 3.875%
HK$114,720
−HK$3,516/mo
Today · 4.125%
HK$118,236
baseline
▲ 0.50% · 4.625%
HK$125,431
+HK$7,195/mo
Deposit HK$16.26M · loan HK$24.40M · min. income ≈ HK$236,472/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,728,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,775
−HK$6,687/mo
▼ 0.25% · 3.875%
HK$127,094
−HK$3,368/mo
Today · 4.125%
HK$130,462
baseline
▲ 0.50% · 4.625%
HK$137,339
+HK$6,877/mo
Deposit HK$16.26M · loan HK$24.40M · min. income ≈ HK$260,924/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,728,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,802
−HK$8,140/mo
▼ 0.25% · 3.875%
HK$133,840
−HK$4,102/mo
Today · 4.125%
HK$137,942
baseline
▲ 0.50% · 4.625%
HK$146,336
+HK$8,394/mo
Deposit HK$12.20M · loan HK$28.46M · min. income ≈ HK$275,884/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,404
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$148,277
−HK$3,929/mo
Today · 4.125%
HK$152,206
baseline
▲ 0.50% · 4.625%
HK$160,229
+HK$8,023/mo
Deposit HK$12.20M · loan HK$28.46M · min. income ≈ HK$304,412/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,889
−HK$10,465/mo
▼ 0.25% · 3.875%
HK$172,080
−HK$5,274/mo
Today · 4.125%
HK$177,354
baseline
▲ 0.50% · 4.625%
HK$188,146
+HK$10,792/mo
Deposit HK$4.07M · loan HK$36.59M · min. income ≈ HK$354,708/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,728,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,662
−HK$10,031/mo
▼ 0.25% · 3.875%
HK$190,641
−HK$5,052/mo
Today · 4.125%
HK$195,693
baseline
▲ 0.50% · 4.625%
HK$206,008
+HK$10,315/mo
Deposit HK$4.07M · loan HK$36.59M · min. income ≈ HK$391,386/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,728,065 · Scale 2, in force from 26 Feb 2026)