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$92,661
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$95,543
−HK$2,929/mo
Today · 4.125%
HK$98,472
baseline
▲ 0.50% · 4.625%
HK$104,463
+HK$5,991/mo
Deposit HK$20.32M · loan HK$20.32M · min. income ≈ HK$196,944/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$1,727,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,084
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$105,849
−HK$2,805/mo
Today · 4.125%
HK$108,654
baseline
▲ 0.50% · 4.625%
HK$114,381
+HK$5,727/mo
Deposit HK$20.32M · loan HK$20.32M · min. income ≈ HK$217,308/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$1,727,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,193
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$114,652
−HK$3,514/mo
Today · 4.125%
HK$118,166
baseline
▲ 0.50% · 4.625%
HK$125,356
+HK$7,190/mo
Deposit HK$16.25M · loan HK$24.38M · min. income ≈ HK$236,332/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,727,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,701
−HK$6,683/mo
▼ 0.25% · 3.875%
HK$127,019
−HK$3,365/mo
Today · 4.125%
HK$130,384
baseline
▲ 0.50% · 4.625%
HK$137,257
+HK$6,873/mo
Deposit HK$16.25M · loan HK$24.38M · min. income ≈ HK$260,768/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,727,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,725
−HK$8,135/mo
▼ 0.25% · 3.875%
HK$133,760
−HK$4,100/mo
Today · 4.125%
HK$137,860
baseline
▲ 0.50% · 4.625%
HK$146,249
+HK$8,389/mo
Deposit HK$12.19M · loan HK$28.45M · min. income ≈ HK$275,720/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,727,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,318
−HK$7,797/mo
▼ 0.25% · 3.875%
HK$148,189
−HK$3,926/mo
Today · 4.125%
HK$152,115
baseline
▲ 0.50% · 4.625%
HK$160,133
+HK$8,018/mo
Deposit HK$12.19M · loan HK$28.45M · min. income ≈ HK$304,230/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,727,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,790
−HK$10,459/mo
▼ 0.25% · 3.875%
HK$171,978
−HK$5,271/mo
Today · 4.125%
HK$177,249
baseline
▲ 0.50% · 4.625%
HK$188,034
+HK$10,785/mo
Deposit HK$4.06M · loan HK$36.57M · min. income ≈ HK$354,498/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,727,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,552
−HK$10,024/mo
▼ 0.25% · 3.875%
HK$190,528
−HK$5,048/mo
Today · 4.125%
HK$195,576
baseline
▲ 0.50% · 4.625%
HK$205,886
+HK$10,310/mo
Deposit HK$4.06M · loan HK$36.57M · min. income ≈ HK$391,152/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,727,037 · Scale 2, in force from 26 Feb 2026)