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$92,212
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,081
−HK$2,914/mo
Today · 4.125%
HK$97,995
baseline
▲ 0.50% · 4.625%
HK$103,958
+HK$5,963/mo
Deposit HK$20.22M · loan HK$20.22M · min. income ≈ HK$195,990/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$1,718,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,585
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,337
−HK$2,791/mo
Today · 4.125%
HK$108,128
baseline
▲ 0.50% · 4.625%
HK$113,827
+HK$5,699/mo
Deposit HK$20.22M · loan HK$20.22M · min. income ≈ HK$216,256/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$1,718,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,655
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$114,097
−HK$3,497/mo
Today · 4.125%
HK$117,594
baseline
▲ 0.50% · 4.625%
HK$124,749
+HK$7,155/mo
Deposit HK$16.18M · loan HK$24.26M · min. income ≈ HK$235,188/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,718,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,102
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$126,404
−HK$3,349/mo
Today · 4.125%
HK$129,753
baseline
▲ 0.50% · 4.625%
HK$136,593
+HK$6,840/mo
Deposit HK$16.18M · loan HK$24.26M · min. income ≈ HK$259,506/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,718,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,097
−HK$8,096/mo
▼ 0.25% · 3.875%
HK$133,113
−HK$4,080/mo
Today · 4.125%
HK$137,193
baseline
▲ 0.50% · 4.625%
HK$145,541
+HK$8,348/mo
Deposit HK$12.13M · loan HK$28.31M · min. income ≈ HK$274,386/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,718,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,619
−HK$7,760/mo
▼ 0.25% · 3.875%
HK$147,471
−HK$3,908/mo
Today · 4.125%
HK$151,379
baseline
▲ 0.50% · 4.625%
HK$159,358
+HK$7,979/mo
Deposit HK$12.13M · loan HK$28.31M · min. income ≈ HK$302,758/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,718,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,982
−HK$10,409/mo
▼ 0.25% · 3.875%
HK$171,145
−HK$5,246/mo
Today · 4.125%
HK$176,391
baseline
▲ 0.50% · 4.625%
HK$187,124
+HK$10,733/mo
Deposit HK$4.04M · loan HK$36.40M · min. income ≈ HK$352,782/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,718,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,654
−HK$9,976/mo
▼ 0.25% · 3.875%
HK$189,606
−HK$5,024/mo
Today · 4.125%
HK$194,630
baseline
▲ 0.50% · 4.625%
HK$204,889
+HK$10,259/mo
Deposit HK$4.04M · loan HK$36.40M · min. income ≈ HK$389,260/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,718,678 · Scale 2, in force from 26 Feb 2026)