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$92,292
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$95,162
−HK$2,917/mo
Today · 4.125%
HK$98,079
baseline
▲ 0.50% · 4.625%
HK$104,047
+HK$5,968/mo
Deposit HK$20.24M · loan HK$20.24M · min. income ≈ HK$196,158/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$1,720,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,674
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$105,427
−HK$2,794/mo
Today · 4.125%
HK$108,221
baseline
▲ 0.50% · 4.625%
HK$113,925
+HK$5,704/mo
Deposit HK$20.24M · loan HK$20.24M · min. income ≈ HK$216,442/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$1,720,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,750
−HK$6,945/mo
▼ 0.25% · 3.875%
HK$114,195
−HK$3,500/mo
Today · 4.125%
HK$117,695
baseline
▲ 0.50% · 4.625%
HK$124,856
+HK$7,161/mo
Deposit HK$16.19M · loan HK$24.28M · min. income ≈ HK$235,390/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,720,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,208
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$126,513
−HK$3,352/mo
Today · 4.125%
HK$129,865
baseline
▲ 0.50% · 4.625%
HK$136,710
+HK$6,845/mo
Deposit HK$16.19M · loan HK$24.28M · min. income ≈ HK$259,730/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,720,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,208
−HK$8,103/mo
▼ 0.25% · 3.875%
HK$133,227
−HK$4,084/mo
Today · 4.125%
HK$137,311
baseline
▲ 0.50% · 4.625%
HK$145,666
+HK$8,355/mo
Deposit HK$12.14M · loan HK$28.33M · min. income ≈ HK$274,622/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,720,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,743
−HK$7,766/mo
▼ 0.25% · 3.875%
HK$147,598
−HK$3,911/mo
Today · 4.125%
HK$151,509
baseline
▲ 0.50% · 4.625%
HK$159,495
+HK$7,986/mo
Deposit HK$12.14M · loan HK$28.33M · min. income ≈ HK$303,018/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,720,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,125
−HK$10,418/mo
▼ 0.25% · 3.875%
HK$171,292
−HK$5,251/mo
Today · 4.125%
HK$176,543
baseline
▲ 0.50% · 4.625%
HK$187,285
+HK$10,742/mo
Deposit HK$4.05M · loan HK$36.43M · min. income ≈ HK$353,086/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,720,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,812
−HK$9,985/mo
▼ 0.25% · 3.875%
HK$189,769
−HK$5,028/mo
Today · 4.125%
HK$194,797
baseline
▲ 0.50% · 4.625%
HK$205,065
+HK$10,268/mo
Deposit HK$4.05M · loan HK$36.43M · min. income ≈ HK$389,594/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,720,156 · Scale 2, in force from 26 Feb 2026)