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$92,905
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$95,795
−HK$2,936/mo
Today · 4.125%
HK$98,731
baseline
▲ 0.50% · 4.625%
HK$104,739
+HK$6,008/mo
Deposit HK$20.37M · loan HK$20.37M · min. income ≈ HK$197,462/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$1,731,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,356
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$106,128
−HK$2,812/mo
Today · 4.125%
HK$108,940
baseline
▲ 0.50% · 4.625%
HK$114,682
+HK$5,742/mo
Deposit HK$20.37M · loan HK$20.37M · min. income ≈ HK$217,880/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$1,731,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,486
−HK$6,991/mo
▼ 0.25% · 3.875%
HK$114,954
−HK$3,523/mo
Today · 4.125%
HK$118,477
baseline
▲ 0.50% · 4.625%
HK$125,686
+HK$7,209/mo
Deposit HK$16.30M · loan HK$24.45M · min. income ≈ HK$236,954/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,731,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,027
−HK$6,701/mo
▼ 0.25% · 3.875%
HK$127,353
−HK$3,375/mo
Today · 4.125%
HK$130,728
baseline
▲ 0.50% · 4.625%
HK$137,619
+HK$6,891/mo
Deposit HK$16.30M · loan HK$24.45M · min. income ≈ HK$261,456/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,731,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,067
−HK$8,156/mo
▼ 0.25% · 3.875%
HK$134,113
−HK$4,110/mo
Today · 4.125%
HK$138,223
baseline
▲ 0.50% · 4.625%
HK$146,634
+HK$8,411/mo
Deposit HK$12.22M · loan HK$28.52M · min. income ≈ HK$276,446/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,731,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,698
−HK$7,818/mo
▼ 0.25% · 3.875%
HK$148,579
−HK$3,937/mo
Today · 4.125%
HK$152,516
baseline
▲ 0.50% · 4.625%
HK$160,555
+HK$8,039/mo
Deposit HK$12.22M · loan HK$28.52M · min. income ≈ HK$305,032/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,731,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,229
−HK$10,487/mo
▼ 0.25% · 3.875%
HK$172,431
−HK$5,285/mo
Today · 4.125%
HK$177,716
baseline
▲ 0.50% · 4.625%
HK$188,529
+HK$10,813/mo
Deposit HK$4.07M · loan HK$36.67M · min. income ≈ HK$355,432/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,731,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,041
−HK$10,051/mo
▼ 0.25% · 3.875%
HK$191,030
−HK$5,062/mo
Today · 4.125%
HK$196,092
baseline
▲ 0.50% · 4.625%
HK$206,428
+HK$10,336/mo
Deposit HK$4.07M · loan HK$36.67M · min. income ≈ HK$392,184/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,731,589 · Scale 2, in force from 26 Feb 2026)