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$93,062
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$95,957
−HK$2,941/mo
Today · 4.125%
HK$98,898
baseline
▲ 0.50% · 4.625%
HK$104,916
+HK$6,018/mo
Deposit HK$20.41M · loan HK$20.41M · min. income ≈ HK$197,796/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$1,734,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,531
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$106,307
−HK$2,817/mo
Today · 4.125%
HK$109,124
baseline
▲ 0.50% · 4.625%
HK$114,876
+HK$5,752/mo
Deposit HK$20.41M · loan HK$20.41M · min. income ≈ HK$218,248/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$1,734,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,675
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$115,148
−HK$3,530/mo
Today · 4.125%
HK$118,678
baseline
▲ 0.50% · 4.625%
HK$125,899
+HK$7,221/mo
Deposit HK$16.32M · loan HK$24.49M · min. income ≈ HK$237,356/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,734,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,237
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$127,569
−HK$3,380/mo
Today · 4.125%
HK$130,949
baseline
▲ 0.50% · 4.625%
HK$137,852
+HK$6,903/mo
Deposit HK$16.32M · loan HK$24.49M · min. income ≈ HK$261,898/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,734,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,287
−HK$8,170/mo
▼ 0.25% · 3.875%
HK$134,340
−HK$4,117/mo
Today · 4.125%
HK$138,457
baseline
▲ 0.50% · 4.625%
HK$146,882
+HK$8,425/mo
Deposit HK$12.24M · loan HK$28.57M · min. income ≈ HK$276,914/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,734,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,943
−HK$7,831/mo
▼ 0.25% · 3.875%
HK$148,830
−HK$3,944/mo
Today · 4.125%
HK$152,774
baseline
▲ 0.50% · 4.625%
HK$160,827
+HK$8,053/mo
Deposit HK$12.24M · loan HK$28.57M · min. income ≈ HK$305,548/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,734,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,512
−HK$10,504/mo
▼ 0.25% · 3.875%
HK$172,723
−HK$5,293/mo
Today · 4.125%
HK$178,016
baseline
▲ 0.50% · 4.625%
HK$188,848
+HK$10,832/mo
Deposit HK$4.08M · loan HK$36.73M · min. income ≈ HK$356,032/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,734,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,355
−HK$10,069/mo
▼ 0.25% · 3.875%
HK$191,353
−HK$5,071/mo
Today · 4.125%
HK$196,424
baseline
▲ 0.50% · 4.625%
HK$206,777
+HK$10,353/mo
Deposit HK$4.08M · loan HK$36.73M · min. income ≈ HK$392,848/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,734,518 · Scale 2, in force from 26 Feb 2026)