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$92,163
−HK$5,779/mo
▼ 0.25% · 3.875%
HK$95,029
−HK$2,913/mo
Today · 4.125%
HK$97,942
baseline
▲ 0.50% · 4.625%
HK$103,901
+HK$5,959/mo
Deposit HK$20.21M · loan HK$20.21M · min. income ≈ HK$195,884/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$1,717,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,530
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$105,280
−HK$2,789/mo
Today · 4.125%
HK$108,069
baseline
▲ 0.50% · 4.625%
HK$113,766
+HK$5,697/mo
Deposit HK$20.21M · loan HK$20.21M · min. income ≈ HK$216,138/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$1,717,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,595
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$114,035
−HK$3,495/mo
Today · 4.125%
HK$117,530
baseline
▲ 0.50% · 4.625%
HK$124,682
+HK$7,152/mo
Deposit HK$16.17M · loan HK$24.25M · min. income ≈ HK$235,060/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,717,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,036
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$126,336
−HK$3,347/mo
Today · 4.125%
HK$129,683
baseline
▲ 0.50% · 4.625%
HK$136,519
+HK$6,836/mo
Deposit HK$16.17M · loan HK$24.25M · min. income ≈ HK$259,366/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,717,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,028
−HK$8,091/mo
▼ 0.25% · 3.875%
HK$133,041
−HK$4,078/mo
Today · 4.125%
HK$137,119
baseline
▲ 0.50% · 4.625%
HK$145,462
+HK$8,343/mo
Deposit HK$12.13M · loan HK$28.29M · min. income ≈ HK$274,238/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,717,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,542
−HK$7,755/mo
▼ 0.25% · 3.875%
HK$147,392
−HK$3,905/mo
Today · 4.125%
HK$151,297
baseline
▲ 0.50% · 4.625%
HK$159,272
+HK$7,975/mo
Deposit HK$12.13M · loan HK$28.29M · min. income ≈ HK$302,594/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,717,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,893
−HK$10,403/mo
▼ 0.25% · 3.875%
HK$171,053
−HK$5,243/mo
Today · 4.125%
HK$176,296
baseline
▲ 0.50% · 4.625%
HK$187,023
+HK$10,727/mo
Deposit HK$4.04M · loan HK$36.38M · min. income ≈ HK$352,592/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,717,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,554
−HK$9,971/mo
▼ 0.25% · 3.875%
HK$189,503
−HK$5,022/mo
Today · 4.125%
HK$194,525
baseline
▲ 0.50% · 4.625%
HK$204,778
+HK$10,253/mo
Deposit HK$4.04M · loan HK$36.38M · min. income ≈ HK$389,050/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,717,750 · Scale 2, in force from 26 Feb 2026)