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$92,483
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$95,360
−HK$2,923/mo
Today · 4.125%
HK$98,283
baseline
▲ 0.50% · 4.625%
HK$104,263
+HK$5,980/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$196,566/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,887
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$105,646
−HK$2,800/mo
Today · 4.125%
HK$108,446
baseline
▲ 0.50% · 4.625%
HK$114,162
+HK$5,716/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$216,892/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,980
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$114,432
−HK$3,508/mo
Today · 4.125%
HK$117,940
baseline
▲ 0.50% · 4.625%
HK$125,116
+HK$7,176/mo
Deposit HK$16.22M · loan HK$24.34M · min. income ≈ HK$235,880/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,723,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,464
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$126,776
−HK$3,359/mo
Today · 4.125%
HK$130,135
baseline
▲ 0.50% · 4.625%
HK$136,994
+HK$6,859/mo
Deposit HK$16.22M · loan HK$24.34M · min. income ≈ HK$260,270/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,723,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,477
−HK$8,119/mo
▼ 0.25% · 3.875%
HK$133,504
−HK$4,092/mo
Today · 4.125%
HK$137,596
baseline
▲ 0.50% · 4.625%
HK$145,969
+HK$8,373/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$275,192/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,042
−HK$7,782/mo
▼ 0.25% · 3.875%
HK$147,905
−HK$3,919/mo
Today · 4.125%
HK$151,824
baseline
▲ 0.50% · 4.625%
HK$159,827
+HK$8,003/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$303,648/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,470
−HK$10,439/mo
▼ 0.25% · 3.875%
HK$171,648
−HK$5,261/mo
Today · 4.125%
HK$176,909
baseline
▲ 0.50% · 4.625%
HK$187,674
+HK$10,765/mo
Deposit HK$4.06M · loan HK$36.50M · min. income ≈ HK$353,818/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,197
−HK$10,005/mo
▼ 0.25% · 3.875%
HK$190,163
−HK$5,039/mo
Today · 4.125%
HK$195,202
baseline
▲ 0.50% · 4.625%
HK$205,491
+HK$10,289/mo
Deposit HK$4.06M · loan HK$36.50M · min. income ≈ HK$390,404/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,731 · Scale 2, in force from 26 Feb 2026)