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$91,955
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$94,815
−HK$2,906/mo
Today · 4.125%
HK$97,721
baseline
▲ 0.50% · 4.625%
HK$103,667
+HK$5,946/mo
Deposit HK$20.16M · loan HK$20.16M · min. income ≈ HK$195,442/mo (50% DSR)
Upfront cash ≈ HK$21.88M (deposit + AVD stamp duty HK$1,713,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,299
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$105,042
−HK$2,784/mo
Today · 4.125%
HK$107,826
baseline
▲ 0.50% · 4.625%
HK$113,509
+HK$5,683/mo
Deposit HK$20.16M · loan HK$20.16M · min. income ≈ HK$215,652/mo (50% DSR)
Upfront cash ≈ HK$21.88M (deposit + AVD stamp duty HK$1,713,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,346
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$113,778
−HK$3,487/mo
Today · 4.125%
HK$117,265
baseline
▲ 0.50% · 4.625%
HK$124,401
+HK$7,136/mo
Deposit HK$16.13M · loan HK$24.20M · min. income ≈ HK$234,530/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$1,713,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,758
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$126,051
−HK$3,340/mo
Today · 4.125%
HK$129,391
baseline
▲ 0.50% · 4.625%
HK$136,211
+HK$6,820/mo
Deposit HK$16.13M · loan HK$24.20M · min. income ≈ HK$258,782/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$1,713,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,737
−HK$8,072/mo
▼ 0.25% · 3.875%
HK$132,741
−HK$4,068/mo
Today · 4.125%
HK$136,809
baseline
▲ 0.50% · 4.625%
HK$145,134
+HK$8,325/mo
Deposit HK$12.10M · loan HK$28.23M · min. income ≈ HK$273,618/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,713,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,218
−HK$7,738/mo
▼ 0.25% · 3.875%
HK$147,059
−HK$3,897/mo
Today · 4.125%
HK$150,956
baseline
▲ 0.50% · 4.625%
HK$158,913
+HK$7,957/mo
Deposit HK$12.10M · loan HK$28.23M · min. income ≈ HK$301,912/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,713,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,518
−HK$10,380/mo
▼ 0.25% · 3.875%
HK$170,667
−HK$5,231/mo
Today · 4.125%
HK$175,898
baseline
▲ 0.50% · 4.625%
HK$186,601
+HK$10,703/mo
Deposit HK$4.03M · loan HK$36.29M · min. income ≈ HK$351,796/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,713,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,138
−HK$9,948/mo
▼ 0.25% · 3.875%
HK$189,076
−HK$5,010/mo
Today · 4.125%
HK$194,086
baseline
▲ 0.50% · 4.625%
HK$204,317
+HK$10,231/mo
Deposit HK$4.03M · loan HK$36.29M · min. income ≈ HK$388,172/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,713,875 · Scale 2, in force from 26 Feb 2026)