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$92,479
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$95,355
−HK$2,923/mo
Today · 4.125%
HK$98,278
baseline
▲ 0.50% · 4.625%
HK$104,258
+HK$5,980/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$196,556/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,882
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$105,641
−HK$2,799/mo
Today · 4.125%
HK$108,440
baseline
▲ 0.50% · 4.625%
HK$114,156
+HK$5,716/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$216,880/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,974
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$114,426
−HK$3,508/mo
Today · 4.125%
HK$117,934
baseline
▲ 0.50% · 4.625%
HK$125,109
+HK$7,175/mo
Deposit HK$16.22M · loan HK$24.33M · min. income ≈ HK$235,868/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,723,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,458
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$126,769
−HK$3,359/mo
Today · 4.125%
HK$130,128
baseline
▲ 0.50% · 4.625%
HK$136,987
+HK$6,859/mo
Deposit HK$16.22M · loan HK$24.33M · min. income ≈ HK$260,256/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,723,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,470
−HK$8,119/mo
▼ 0.25% · 3.875%
HK$133,497
−HK$4,092/mo
Today · 4.125%
HK$137,589
baseline
▲ 0.50% · 4.625%
HK$145,961
+HK$8,372/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$275,178/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,034
−HK$7,782/mo
▼ 0.25% · 3.875%
HK$147,897
−HK$3,919/mo
Today · 4.125%
HK$151,816
baseline
▲ 0.50% · 4.625%
HK$159,818
+HK$8,002/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$303,632/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,462
−HK$10,438/mo
▼ 0.25% · 3.875%
HK$171,640
−HK$5,260/mo
Today · 4.125%
HK$176,900
baseline
▲ 0.50% · 4.625%
HK$187,664
+HK$10,764/mo
Deposit HK$4.06M · loan HK$36.50M · min. income ≈ HK$353,800/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,187
−HK$10,005/mo
▼ 0.25% · 3.875%
HK$190,154
−HK$5,038/mo
Today · 4.125%
HK$195,192
baseline
▲ 0.50% · 4.625%
HK$205,481
+HK$10,289/mo
Deposit HK$4.06M · loan HK$36.50M · min. income ≈ HK$390,384/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,642 · Scale 2, in force from 26 Feb 2026)