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$92,608
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$95,489
−HK$2,927/mo
Today · 4.125%
HK$98,416
baseline
▲ 0.50% · 4.625%
HK$104,404
+HK$5,988/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$196,832/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,726,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,026
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$105,789
−HK$2,803/mo
Today · 4.125%
HK$108,592
baseline
▲ 0.50% · 4.625%
HK$114,316
+HK$5,724/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$217,184/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,726,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,130
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$114,587
−HK$3,512/mo
Today · 4.125%
HK$118,099
baseline
▲ 0.50% · 4.625%
HK$125,285
+HK$7,186/mo
Deposit HK$16.25M · loan HK$24.37M · min. income ≈ HK$236,198/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,726,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,631
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$126,947
−HK$3,363/mo
Today · 4.125%
HK$130,310
baseline
▲ 0.50% · 4.625%
HK$137,179
+HK$6,869/mo
Deposit HK$16.25M · loan HK$24.37M · min. income ≈ HK$260,620/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,726,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,652
−HK$8,130/mo
▼ 0.25% · 3.875%
HK$133,685
−HK$4,097/mo
Today · 4.125%
HK$137,782
baseline
▲ 0.50% · 4.625%
HK$146,166
+HK$8,384/mo
Deposit HK$12.18M · loan HK$28.43M · min. income ≈ HK$275,564/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,236
−HK$7,793/mo
▼ 0.25% · 3.875%
HK$148,105
−HK$3,924/mo
Today · 4.125%
HK$152,029
baseline
▲ 0.50% · 4.625%
HK$160,042
+HK$8,013/mo
Deposit HK$12.18M · loan HK$28.43M · min. income ≈ HK$304,058/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,695
−HK$10,453/mo
▼ 0.25% · 3.875%
HK$171,880
−HK$5,268/mo
Today · 4.125%
HK$177,148
baseline
▲ 0.50% · 4.625%
HK$187,927
+HK$10,779/mo
Deposit HK$4.06M · loan HK$36.55M · min. income ≈ HK$354,296/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,447
−HK$10,019/mo
▼ 0.25% · 3.875%
HK$190,420
−HK$5,046/mo
Today · 4.125%
HK$195,466
baseline
▲ 0.50% · 4.625%
HK$205,769
+HK$10,303/mo
Deposit HK$4.06M · loan HK$36.55M · min. income ≈ HK$390,932/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,058 · Scale 2, in force from 26 Feb 2026)