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$92,236
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$95,105
−HK$2,915/mo
Today · 4.125%
HK$98,020
baseline
▲ 0.50% · 4.625%
HK$103,984
+HK$5,964/mo
Deposit HK$20.22M · loan HK$20.22M · min. income ≈ HK$196,040/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$1,719,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,611
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,363
−HK$2,792/mo
Today · 4.125%
HK$108,155
baseline
▲ 0.50% · 4.625%
HK$113,856
+HK$5,701/mo
Deposit HK$20.22M · loan HK$20.22M · min. income ≈ HK$216,310/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$1,719,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,683
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$114,126
−HK$3,498/mo
Today · 4.125%
HK$117,624
baseline
▲ 0.50% · 4.625%
HK$124,781
+HK$7,157/mo
Deposit HK$16.18M · loan HK$24.27M · min. income ≈ HK$235,248/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,719,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,134
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$126,436
−HK$3,350/mo
Today · 4.125%
HK$129,786
baseline
▲ 0.50% · 4.625%
HK$136,627
+HK$6,841/mo
Deposit HK$16.18M · loan HK$24.27M · min. income ≈ HK$259,572/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,719,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,130
−HK$8,098/mo
▼ 0.25% · 3.875%
HK$133,147
−HK$4,081/mo
Today · 4.125%
HK$137,228
baseline
▲ 0.50% · 4.625%
HK$145,578
+HK$8,350/mo
Deposit HK$12.13M · loan HK$28.31M · min. income ≈ HK$274,456/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,719,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,656
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$147,509
−HK$3,908/mo
Today · 4.125%
HK$151,417
baseline
▲ 0.50% · 4.625%
HK$159,398
+HK$7,981/mo
Deposit HK$12.13M · loan HK$28.31M · min. income ≈ HK$302,834/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,719,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,024
−HK$10,411/mo
▼ 0.25% · 3.875%
HK$171,189
−HK$5,246/mo
Today · 4.125%
HK$176,435
baseline
▲ 0.50% · 4.625%
HK$187,171
+HK$10,736/mo
Deposit HK$4.04M · loan HK$36.40M · min. income ≈ HK$352,870/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,719,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,700
−HK$9,979/mo
▼ 0.25% · 3.875%
HK$189,654
−HK$5,025/mo
Today · 4.125%
HK$194,679
baseline
▲ 0.50% · 4.625%
HK$204,941
+HK$10,262/mo
Deposit HK$4.04M · loan HK$36.40M · min. income ≈ HK$389,358/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,719,113 · Scale 2, in force from 26 Feb 2026)