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$92,585
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$95,464
−HK$2,926/mo
Today · 4.125%
HK$98,390
baseline
▲ 0.50% · 4.625%
HK$104,377
+HK$5,987/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$196,780/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,999
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$105,762
−HK$2,802/mo
Today · 4.125%
HK$108,564
baseline
▲ 0.50% · 4.625%
HK$114,287
+HK$5,723/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$217,128/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,102
−HK$6,967/mo
▼ 0.25% · 3.875%
HK$114,557
−HK$3,512/mo
Today · 4.125%
HK$118,069
baseline
▲ 0.50% · 4.625%
HK$125,253
+HK$7,184/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$236,138/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,599
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$126,914
−HK$3,363/mo
Today · 4.125%
HK$130,277
baseline
▲ 0.50% · 4.625%
HK$137,144
+HK$6,867/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$260,554/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,618
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$133,650
−HK$4,097/mo
Today · 4.125%
HK$137,747
baseline
▲ 0.50% · 4.625%
HK$146,128
+HK$8,381/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$275,494/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,199
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$148,067
−HK$3,923/mo
Today · 4.125%
HK$151,990
baseline
▲ 0.50% · 4.625%
HK$160,001
+HK$8,011/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$303,980/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,652
−HK$10,451/mo
▼ 0.25% · 3.875%
HK$171,836
−HK$5,267/mo
Today · 4.125%
HK$177,103
baseline
▲ 0.50% · 4.625%
HK$187,879
+HK$10,776/mo
Deposit HK$4.06M · loan HK$36.54M · min. income ≈ HK$354,206/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,399
−HK$10,016/mo
▼ 0.25% · 3.875%
HK$190,371
−HK$5,044/mo
Today · 4.125%
HK$195,415
baseline
▲ 0.50% · 4.625%
HK$205,716
+HK$10,301/mo
Deposit HK$4.06M · loan HK$36.54M · min. income ≈ HK$390,830/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,616 · Scale 2, in force from 26 Feb 2026)