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$92,226
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,095
−HK$2,914/mo
Today · 4.125%
HK$98,009
baseline
▲ 0.50% · 4.625%
HK$103,973
+HK$5,964/mo
Deposit HK$20.22M · loan HK$20.22M · min. income ≈ HK$196,018/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$1,718,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,601
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,352
−HK$2,792/mo
Today · 4.125%
HK$108,144
baseline
▲ 0.50% · 4.625%
HK$113,844
+HK$5,700/mo
Deposit HK$20.22M · loan HK$20.22M · min. income ≈ HK$216,288/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$1,718,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,671
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$114,114
−HK$3,497/mo
Today · 4.125%
HK$117,611
baseline
▲ 0.50% · 4.625%
HK$124,768
+HK$7,157/mo
Deposit HK$16.18M · loan HK$24.27M · min. income ≈ HK$235,222/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,718,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,121
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$126,423
−HK$3,349/mo
Today · 4.125%
HK$129,772
baseline
▲ 0.50% · 4.625%
HK$136,613
+HK$6,841/mo
Deposit HK$16.18M · loan HK$24.27M · min. income ≈ HK$259,544/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,718,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,116
−HK$8,097/mo
▼ 0.25% · 3.875%
HK$133,133
−HK$4,080/mo
Today · 4.125%
HK$137,213
baseline
▲ 0.50% · 4.625%
HK$145,562
+HK$8,349/mo
Deposit HK$12.13M · loan HK$28.31M · min. income ≈ HK$274,426/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,718,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,641
−HK$7,760/mo
▼ 0.25% · 3.875%
HK$147,493
−HK$3,908/mo
Today · 4.125%
HK$151,401
baseline
▲ 0.50% · 4.625%
HK$159,382
+HK$7,981/mo
Deposit HK$12.13M · loan HK$28.31M · min. income ≈ HK$302,802/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,718,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,007
−HK$10,410/mo
▼ 0.25% · 3.875%
HK$171,171
−HK$5,246/mo
Today · 4.125%
HK$176,417
baseline
▲ 0.50% · 4.625%
HK$187,151
+HK$10,734/mo
Deposit HK$4.04M · loan HK$36.40M · min. income ≈ HK$352,834/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,718,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,681
−HK$9,978/mo
▼ 0.25% · 3.875%
HK$189,634
−HK$5,025/mo
Today · 4.125%
HK$194,659
baseline
▲ 0.50% · 4.625%
HK$204,919
+HK$10,260/mo
Deposit HK$4.04M · loan HK$36.40M · min. income ≈ HK$389,318/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,718,932 · Scale 2, in force from 26 Feb 2026)