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$92,565
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,444
−HK$2,925/mo
Today · 4.125%
HK$98,369
baseline
▲ 0.50% · 4.625%
HK$104,355
+HK$5,986/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$196,738/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,725,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,977
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$105,739
−HK$2,802/mo
Today · 4.125%
HK$108,541
baseline
▲ 0.50% · 4.625%
HK$114,262
+HK$5,721/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$217,082/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,725,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,078
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$114,533
−HK$3,510/mo
Today · 4.125%
HK$118,043
baseline
▲ 0.50% · 4.625%
HK$125,226
+HK$7,183/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$236,086/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,725,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,573
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$126,887
−HK$3,362/mo
Today · 4.125%
HK$130,249
baseline
▲ 0.50% · 4.625%
HK$137,115
+HK$6,866/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$260,498/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,725,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,590
−HK$8,127/mo
▼ 0.25% · 3.875%
HK$133,621
−HK$4,096/mo
Today · 4.125%
HK$137,717
baseline
▲ 0.50% · 4.625%
HK$146,097
+HK$8,380/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$275,434/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,725,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,168
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$148,035
−HK$3,922/mo
Today · 4.125%
HK$151,957
baseline
▲ 0.50% · 4.625%
HK$159,967
+HK$8,010/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$303,914/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,725,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,616
−HK$10,449/mo
▼ 0.25% · 3.875%
HK$171,799
−HK$5,266/mo
Today · 4.125%
HK$177,065
baseline
▲ 0.50% · 4.625%
HK$187,839
+HK$10,774/mo
Deposit HK$4.06M · loan HK$36.53M · min. income ≈ HK$354,130/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,725,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,359
−HK$10,014/mo
▼ 0.25% · 3.875%
HK$190,330
−HK$5,043/mo
Today · 4.125%
HK$195,373
baseline
▲ 0.50% · 4.625%
HK$205,672
+HK$10,299/mo
Deposit HK$4.06M · loan HK$36.53M · min. income ≈ HK$390,746/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,725,244 · Scale 2, in force from 26 Feb 2026)