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$92,734
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$95,619
−HK$2,931/mo
Today · 4.125%
HK$98,550
baseline
▲ 0.50% · 4.625%
HK$104,546
+HK$5,996/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$197,100/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,166
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,933
−HK$2,807/mo
Today · 4.125%
HK$108,740
baseline
▲ 0.50% · 4.625%
HK$114,472
+HK$5,732/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$217,480/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,281
−HK$6,978/mo
▼ 0.25% · 3.875%
HK$114,743
−HK$3,516/mo
Today · 4.125%
HK$118,259
baseline
▲ 0.50% · 4.625%
HK$125,455
+HK$7,196/mo
Deposit HK$16.27M · loan HK$24.40M · min. income ≈ HK$236,518/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,728,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,799
−HK$6,689/mo
▼ 0.25% · 3.875%
HK$127,119
−HK$3,369/mo
Today · 4.125%
HK$130,488
baseline
▲ 0.50% · 4.625%
HK$137,366
+HK$6,878/mo
Deposit HK$16.27M · loan HK$24.40M · min. income ≈ HK$260,976/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,728,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,828
−HK$8,141/mo
▼ 0.25% · 3.875%
HK$133,866
−HK$4,103/mo
Today · 4.125%
HK$137,969
baseline
▲ 0.50% · 4.625%
HK$146,364
+HK$8,395/mo
Deposit HK$12.20M · loan HK$28.47M · min. income ≈ HK$275,938/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,432
−HK$7,804/mo
▼ 0.25% · 3.875%
HK$148,306
−HK$3,930/mo
Today · 4.125%
HK$152,236
baseline
▲ 0.50% · 4.625%
HK$160,260
+HK$8,024/mo
Deposit HK$12.20M · loan HK$28.47M · min. income ≈ HK$304,472/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,922
−HK$10,467/mo
▼ 0.25% · 3.875%
HK$172,114
−HK$5,275/mo
Today · 4.125%
HK$177,389
baseline
▲ 0.50% · 4.625%
HK$188,183
+HK$10,794/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$354,778/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,728,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,699
−HK$10,032/mo
▼ 0.25% · 3.875%
HK$190,679
−HK$5,052/mo
Today · 4.125%
HK$195,731
baseline
▲ 0.50% · 4.625%
HK$206,049
+HK$10,318/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$391,462/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,728,406 · Scale 2, in force from 26 Feb 2026)