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$92,516
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,394
−HK$2,924/mo
Today · 4.125%
HK$98,318
baseline
▲ 0.50% · 4.625%
HK$104,300
+HK$5,982/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$196,636/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,923
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,683
−HK$2,801/mo
Today · 4.125%
HK$108,484
baseline
▲ 0.50% · 4.625%
HK$114,202
+HK$5,718/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$216,968/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,019
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$114,472
−HK$3,509/mo
Today · 4.125%
HK$117,981
baseline
▲ 0.50% · 4.625%
HK$125,160
+HK$7,179/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$235,962/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,508
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$126,820
−HK$3,360/mo
Today · 4.125%
HK$130,180
baseline
▲ 0.50% · 4.625%
HK$137,042
+HK$6,862/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$260,360/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,522
−HK$8,123/mo
▼ 0.25% · 3.875%
HK$133,551
−HK$4,094/mo
Today · 4.125%
HK$137,645
baseline
▲ 0.50% · 4.625%
HK$146,020
+HK$8,375/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$275,290/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,092
−HK$7,785/mo
▼ 0.25% · 3.875%
HK$147,957
−HK$3,920/mo
Today · 4.125%
HK$151,877
baseline
▲ 0.50% · 4.625%
HK$159,883
+HK$8,006/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$303,754/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,529
−HK$10,443/mo
▼ 0.25% · 3.875%
HK$171,709
−HK$5,263/mo
Today · 4.125%
HK$176,972
baseline
▲ 0.50% · 4.625%
HK$187,740
+HK$10,768/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$353,944/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,262
−HK$10,009/mo
▼ 0.25% · 3.875%
HK$190,230
−HK$5,041/mo
Today · 4.125%
HK$195,271
baseline
▲ 0.50% · 4.625%
HK$205,564
+HK$10,293/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$390,542/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,337 · Scale 2, in force from 26 Feb 2026)