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$92,186
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$95,053
−HK$2,914/mo
Today · 4.125%
HK$97,967
baseline
▲ 0.50% · 4.625%
HK$103,928
+HK$5,961/mo
Deposit HK$20.21M · loan HK$20.21M · min. income ≈ HK$195,934/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$1,718,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,556
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$105,306
−HK$2,791/mo
Today · 4.125%
HK$108,097
baseline
▲ 0.50% · 4.625%
HK$113,794
+HK$5,697/mo
Deposit HK$20.21M · loan HK$20.21M · min. income ≈ HK$216,194/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$1,718,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,623
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$114,064
−HK$3,496/mo
Today · 4.125%
HK$117,560
baseline
▲ 0.50% · 4.625%
HK$124,713
+HK$7,153/mo
Deposit HK$16.17M · loan HK$24.26M · min. income ≈ HK$235,120/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,718,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,067
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$126,367
−HK$3,349/mo
Today · 4.125%
HK$129,716
baseline
▲ 0.50% · 4.625%
HK$136,553
+HK$6,837/mo
Deposit HK$16.17M · loan HK$24.26M · min. income ≈ HK$259,432/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,718,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,060
−HK$8,093/mo
▼ 0.25% · 3.875%
HK$133,075
−HK$4,078/mo
Today · 4.125%
HK$137,153
baseline
▲ 0.50% · 4.625%
HK$145,499
+HK$8,346/mo
Deposit HK$12.13M · loan HK$28.30M · min. income ≈ HK$274,306/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,718,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,578
−HK$7,757/mo
▼ 0.25% · 3.875%
HK$147,429
−HK$3,906/mo
Today · 4.125%
HK$151,335
baseline
▲ 0.50% · 4.625%
HK$159,312
+HK$7,977/mo
Deposit HK$12.13M · loan HK$28.30M · min. income ≈ HK$302,670/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,718,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,934
−HK$10,406/mo
▼ 0.25% · 3.875%
HK$171,096
−HK$5,244/mo
Today · 4.125%
HK$176,340
baseline
▲ 0.50% · 4.625%
HK$187,070
+HK$10,730/mo
Deposit HK$4.04M · loan HK$36.39M · min. income ≈ HK$352,680/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,718,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,600
−HK$9,974/mo
▼ 0.25% · 3.875%
HK$189,551
−HK$5,023/mo
Today · 4.125%
HK$194,574
baseline
▲ 0.50% · 4.625%
HK$204,830
+HK$10,256/mo
Deposit HK$4.04M · loan HK$36.39M · min. income ≈ HK$389,148/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,718,182 · Scale 2, in force from 26 Feb 2026)