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$92,462
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$95,338
−HK$2,922/mo
Today · 4.125%
HK$98,260
baseline
▲ 0.50% · 4.625%
HK$104,239
+HK$5,979/mo
Deposit HK$20.27M · loan HK$20.27M · min. income ≈ HK$196,520/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,863
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$105,622
−HK$2,798/mo
Today · 4.125%
HK$108,420
baseline
▲ 0.50% · 4.625%
HK$114,135
+HK$5,715/mo
Deposit HK$20.27M · loan HK$20.27M · min. income ≈ HK$216,840/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,954
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$114,405
−HK$3,507/mo
Today · 4.125%
HK$117,912
baseline
▲ 0.50% · 4.625%
HK$125,087
+HK$7,175/mo
Deposit HK$16.22M · loan HK$24.33M · min. income ≈ HK$235,824/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,723,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,435
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$126,746
−HK$3,358/mo
Today · 4.125%
HK$130,104
baseline
▲ 0.50% · 4.625%
HK$136,962
+HK$6,858/mo
Deposit HK$16.22M · loan HK$24.33M · min. income ≈ HK$260,208/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,723,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,447
−HK$8,117/mo
▼ 0.25% · 3.875%
HK$133,473
−HK$4,091/mo
Today · 4.125%
HK$137,564
baseline
▲ 0.50% · 4.625%
HK$145,934
+HK$8,370/mo
Deposit HK$12.16M · loan HK$28.38M · min. income ≈ HK$275,128/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,008
−HK$7,780/mo
▼ 0.25% · 3.875%
HK$147,870
−HK$3,918/mo
Today · 4.125%
HK$151,788
baseline
▲ 0.50% · 4.625%
HK$159,789
+HK$8,001/mo
Deposit HK$12.16M · loan HK$28.38M · min. income ≈ HK$303,576/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,431
−HK$10,437/mo
▼ 0.25% · 3.875%
HK$171,608
−HK$5,260/mo
Today · 4.125%
HK$176,868
baseline
▲ 0.50% · 4.625%
HK$187,630
+HK$10,762/mo
Deposit HK$4.05M · loan HK$36.49M · min. income ≈ HK$353,736/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,153
−HK$10,003/mo
▼ 0.25% · 3.875%
HK$190,119
−HK$5,037/mo
Today · 4.125%
HK$195,156
baseline
▲ 0.50% · 4.625%
HK$205,443
+HK$10,287/mo
Deposit HK$4.05M · loan HK$36.49M · min. income ≈ HK$390,312/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,327 · Scale 2, in force from 26 Feb 2026)