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$92,640
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$95,521
−HK$2,928/mo
Today · 4.125%
HK$98,449
baseline
▲ 0.50% · 4.625%
HK$104,439
+HK$5,990/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$196,898/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,061
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$105,825
−HK$2,804/mo
Today · 4.125%
HK$108,629
baseline
▲ 0.50% · 4.625%
HK$114,355
+HK$5,726/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$217,258/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,167
−HK$6,972/mo
▼ 0.25% · 3.875%
HK$114,625
−HK$3,514/mo
Today · 4.125%
HK$118,139
baseline
▲ 0.50% · 4.625%
HK$125,327
+HK$7,188/mo
Deposit HK$16.25M · loan HK$24.38M · min. income ≈ HK$236,278/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,726,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,673
−HK$6,681/mo
▼ 0.25% · 3.875%
HK$126,990
−HK$3,364/mo
Today · 4.125%
HK$130,354
baseline
▲ 0.50% · 4.625%
HK$137,225
+HK$6,871/mo
Deposit HK$16.25M · loan HK$24.38M · min. income ≈ HK$260,708/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,726,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,695
−HK$8,133/mo
▼ 0.25% · 3.875%
HK$133,730
−HK$4,098/mo
Today · 4.125%
HK$137,828
baseline
▲ 0.50% · 4.625%
HK$146,215
+HK$8,387/mo
Deposit HK$12.19M · loan HK$28.44M · min. income ≈ HK$275,656/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,285
−HK$7,795/mo
▼ 0.25% · 3.875%
HK$148,154
−HK$3,926/mo
Today · 4.125%
HK$152,080
baseline
▲ 0.50% · 4.625%
HK$160,096
+HK$8,016/mo
Deposit HK$12.19M · loan HK$28.44M · min. income ≈ HK$304,160/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,751
−HK$10,457/mo
▼ 0.25% · 3.875%
HK$171,938
−HK$5,270/mo
Today · 4.125%
HK$177,208
baseline
▲ 0.50% · 4.625%
HK$187,991
+HK$10,783/mo
Deposit HK$4.06M · loan HK$36.56M · min. income ≈ HK$354,416/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,509
−HK$10,022/mo
▼ 0.25% · 3.875%
HK$190,484
−HK$5,047/mo
Today · 4.125%
HK$195,531
baseline
▲ 0.50% · 4.625%
HK$205,838
+HK$10,307/mo
Deposit HK$4.06M · loan HK$36.56M · min. income ≈ HK$391,062/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,640 · Scale 2, in force from 26 Feb 2026)