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$92,395
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,269
−HK$2,920/mo
Today · 4.125%
HK$98,189
baseline
▲ 0.50% · 4.625%
HK$104,163
+HK$5,974/mo
Deposit HK$20.26M · loan HK$20.26M · min. income ≈ HK$196,378/mo (50% DSR)
Upfront cash ≈ HK$21.98M (deposit + AVD stamp duty HK$1,722,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,788
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,545
−HK$2,797/mo
Today · 4.125%
HK$108,342
baseline
▲ 0.50% · 4.625%
HK$114,052
+HK$5,710/mo
Deposit HK$20.26M · loan HK$20.26M · min. income ≈ HK$216,684/mo (50% DSR)
Upfront cash ≈ HK$21.98M (deposit + AVD stamp duty HK$1,722,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,874
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$114,323
−HK$3,504/mo
Today · 4.125%
HK$117,827
baseline
▲ 0.50% · 4.625%
HK$124,996
+HK$7,169/mo
Deposit HK$16.21M · loan HK$24.31M · min. income ≈ HK$235,654/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,722,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,346
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$126,654
−HK$3,356/mo
Today · 4.125%
HK$130,010
baseline
▲ 0.50% · 4.625%
HK$136,863
+HK$6,853/mo
Deposit HK$16.21M · loan HK$24.31M · min. income ≈ HK$260,020/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,722,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,353
−HK$8,111/mo
▼ 0.25% · 3.875%
HK$133,376
−HK$4,088/mo
Today · 4.125%
HK$137,464
baseline
▲ 0.50% · 4.625%
HK$145,829
+HK$8,365/mo
Deposit HK$12.16M · loan HK$28.36M · min. income ≈ HK$274,928/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,904
−HK$7,774/mo
▼ 0.25% · 3.875%
HK$147,763
−HK$3,915/mo
Today · 4.125%
HK$151,678
baseline
▲ 0.50% · 4.625%
HK$159,673
+HK$7,995/mo
Deposit HK$12.16M · loan HK$28.36M · min. income ≈ HK$303,356/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,311
−HK$10,429/mo
▼ 0.25% · 3.875%
HK$171,484
−HK$5,256/mo
Today · 4.125%
HK$176,740
baseline
▲ 0.50% · 4.625%
HK$187,494
+HK$10,754/mo
Deposit HK$4.05M · loan HK$36.47M · min. income ≈ HK$353,480/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,722,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,019
−HK$9,996/mo
▼ 0.25% · 3.875%
HK$189,981
−HK$5,034/mo
Today · 4.125%
HK$195,015
baseline
▲ 0.50% · 4.625%
HK$205,294
+HK$10,279/mo
Deposit HK$4.05M · loan HK$36.47M · min. income ≈ HK$390,030/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,722,078 · Scale 2, in force from 26 Feb 2026)