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$92,727
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$95,612
−HK$2,930/mo
Today · 4.125%
HK$98,542
baseline
▲ 0.50% · 4.625%
HK$104,538
+HK$5,996/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$197,084/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,158
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,925
−HK$2,807/mo
Today · 4.125%
HK$108,732
baseline
▲ 0.50% · 4.625%
HK$114,463
+HK$5,731/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$217,464/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,273
−HK$6,978/mo
▼ 0.25% · 3.875%
HK$114,734
−HK$3,517/mo
Today · 4.125%
HK$118,251
baseline
▲ 0.50% · 4.625%
HK$125,446
+HK$7,195/mo
Deposit HK$16.27M · loan HK$24.40M · min. income ≈ HK$236,502/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,728,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,790
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$127,110
−HK$3,368/mo
Today · 4.125%
HK$130,478
baseline
▲ 0.50% · 4.625%
HK$137,356
+HK$6,878/mo
Deposit HK$16.27M · loan HK$24.40M · min. income ≈ HK$260,956/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,728,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,818
−HK$8,141/mo
▼ 0.25% · 3.875%
HK$133,856
−HK$4,103/mo
Today · 4.125%
HK$137,959
baseline
▲ 0.50% · 4.625%
HK$146,354
+HK$8,395/mo
Deposit HK$12.20M · loan HK$28.47M · min. income ≈ HK$275,918/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,422
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$148,295
−HK$3,929/mo
Today · 4.125%
HK$152,224
baseline
▲ 0.50% · 4.625%
HK$160,248
+HK$8,024/mo
Deposit HK$12.20M · loan HK$28.47M · min. income ≈ HK$304,448/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,909
−HK$10,467/mo
▼ 0.25% · 3.875%
HK$172,101
−HK$5,275/mo
Today · 4.125%
HK$177,376
baseline
▲ 0.50% · 4.625%
HK$188,169
+HK$10,793/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$354,752/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,728,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,685
−HK$10,032/mo
▼ 0.25% · 3.875%
HK$190,665
−HK$5,052/mo
Today · 4.125%
HK$195,717
baseline
▲ 0.50% · 4.625%
HK$206,033
+HK$10,316/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$391,434/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,728,277 · Scale 2, in force from 26 Feb 2026)