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$92,223
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,091
−HK$2,915/mo
Today · 4.125%
HK$98,006
baseline
▲ 0.50% · 4.625%
HK$103,969
+HK$5,963/mo
Deposit HK$20.22M · loan HK$20.22M · min. income ≈ HK$196,012/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$1,718,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,597
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,349
−HK$2,791/mo
Today · 4.125%
HK$108,140
baseline
▲ 0.50% · 4.625%
HK$113,840
+HK$5,700/mo
Deposit HK$20.22M · loan HK$20.22M · min. income ≈ HK$216,280/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$1,718,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,667
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$114,110
−HK$3,497/mo
Today · 4.125%
HK$117,607
baseline
▲ 0.50% · 4.625%
HK$124,763
+HK$7,156/mo
Deposit HK$16.18M · loan HK$24.27M · min. income ≈ HK$235,214/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,718,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,116
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$126,418
−HK$3,350/mo
Today · 4.125%
HK$129,768
baseline
▲ 0.50% · 4.625%
HK$136,608
+HK$6,840/mo
Deposit HK$16.18M · loan HK$24.27M · min. income ≈ HK$259,536/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,718,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,112
−HK$8,096/mo
▼ 0.25% · 3.875%
HK$133,128
−HK$4,080/mo
Today · 4.125%
HK$137,208
baseline
▲ 0.50% · 4.625%
HK$145,557
+HK$8,349/mo
Deposit HK$12.13M · loan HK$28.31M · min. income ≈ HK$274,416/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,718,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,636
−HK$7,760/mo
▼ 0.25% · 3.875%
HK$147,488
−HK$3,908/mo
Today · 4.125%
HK$151,396
baseline
▲ 0.50% · 4.625%
HK$159,376
+HK$7,980/mo
Deposit HK$12.13M · loan HK$28.31M · min. income ≈ HK$302,792/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,718,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,001
−HK$10,410/mo
▼ 0.25% · 3.875%
HK$171,165
−HK$5,246/mo
Today · 4.125%
HK$176,411
baseline
▲ 0.50% · 4.625%
HK$187,145
+HK$10,734/mo
Deposit HK$4.04M · loan HK$36.40M · min. income ≈ HK$352,822/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,718,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,675
−HK$9,977/mo
▼ 0.25% · 3.875%
HK$189,627
−HK$5,025/mo
Today · 4.125%
HK$194,652
baseline
▲ 0.50% · 4.625%
HK$204,912
+HK$10,260/mo
Deposit HK$4.04M · loan HK$36.40M · min. income ≈ HK$389,304/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,718,873 · Scale 2, in force from 26 Feb 2026)