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$92,719
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$95,603
−HK$2,931/mo
Today · 4.125%
HK$98,534
baseline
▲ 0.50% · 4.625%
HK$104,529
+HK$5,995/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$197,068/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,149
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$105,916
−HK$2,806/mo
Today · 4.125%
HK$108,722
baseline
▲ 0.50% · 4.625%
HK$114,453
+HK$5,731/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$217,444/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,263
−HK$6,977/mo
▼ 0.25% · 3.875%
HK$114,724
−HK$3,516/mo
Today · 4.125%
HK$118,240
baseline
▲ 0.50% · 4.625%
HK$125,435
+HK$7,195/mo
Deposit HK$16.26M · loan HK$24.40M · min. income ≈ HK$236,480/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,728,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,779
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$127,099
−HK$3,368/mo
Today · 4.125%
HK$130,467
baseline
▲ 0.50% · 4.625%
HK$137,344
+HK$6,877/mo
Deposit HK$16.26M · loan HK$24.40M · min. income ≈ HK$260,934/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,728,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,807
−HK$8,140/mo
▼ 0.25% · 3.875%
HK$133,845
−HK$4,102/mo
Today · 4.125%
HK$137,947
baseline
▲ 0.50% · 4.625%
HK$146,341
+HK$8,394/mo
Deposit HK$12.20M · loan HK$28.46M · min. income ≈ HK$275,894/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,409
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$148,282
−HK$3,929/mo
Today · 4.125%
HK$152,211
baseline
▲ 0.50% · 4.625%
HK$160,234
+HK$8,023/mo
Deposit HK$12.20M · loan HK$28.46M · min. income ≈ HK$304,422/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,895
−HK$10,466/mo
▼ 0.25% · 3.875%
HK$172,086
−HK$5,275/mo
Today · 4.125%
HK$177,361
baseline
▲ 0.50% · 4.625%
HK$188,153
+HK$10,792/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$354,722/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,728,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,669
−HK$10,031/mo
▼ 0.25% · 3.875%
HK$190,648
−HK$5,052/mo
Today · 4.125%
HK$195,700
baseline
▲ 0.50% · 4.625%
HK$206,015
+HK$10,315/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$391,400/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,728,127 · Scale 2, in force from 26 Feb 2026)