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$92,493
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$95,370
−HK$2,923/mo
Today · 4.125%
HK$98,293
baseline
▲ 0.50% · 4.625%
HK$104,274
+HK$5,981/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$196,586/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,723,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,898
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$105,657
−HK$2,800/mo
Today · 4.125%
HK$108,457
baseline
▲ 0.50% · 4.625%
HK$114,174
+HK$5,717/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$216,914/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,723,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,992
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$114,444
−HK$3,508/mo
Today · 4.125%
HK$117,952
baseline
▲ 0.50% · 4.625%
HK$125,129
+HK$7,177/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$235,904/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,723,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,477
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$126,789
−HK$3,359/mo
Today · 4.125%
HK$130,148
baseline
▲ 0.50% · 4.625%
HK$137,009
+HK$6,861/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$260,296/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,723,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,490
−HK$8,121/mo
▼ 0.25% · 3.875%
HK$133,518
−HK$4,093/mo
Today · 4.125%
HK$137,611
baseline
▲ 0.50% · 4.625%
HK$145,984
+HK$8,373/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$275,222/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,057
−HK$7,783/mo
▼ 0.25% · 3.875%
HK$147,920
−HK$3,920/mo
Today · 4.125%
HK$151,840
baseline
▲ 0.50% · 4.625%
HK$159,843
+HK$8,003/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$303,680/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,488
−HK$10,440/mo
▼ 0.25% · 3.875%
HK$171,666
−HK$5,262/mo
Today · 4.125%
HK$176,928
baseline
▲ 0.50% · 4.625%
HK$187,694
+HK$10,766/mo
Deposit HK$4.06M · loan HK$36.51M · min. income ≈ HK$353,856/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,216
−HK$10,006/mo
▼ 0.25% · 3.875%
HK$190,183
−HK$5,039/mo
Today · 4.125%
HK$195,222
baseline
▲ 0.50% · 4.625%
HK$205,513
+HK$10,291/mo
Deposit HK$4.06M · loan HK$36.51M · min. income ≈ HK$390,444/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,911 · Scale 2, in force from 26 Feb 2026)