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$92,532
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,411
−HK$2,924/mo
Today · 4.125%
HK$98,335
baseline
▲ 0.50% · 4.625%
HK$104,318
+HK$5,983/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$196,670/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,941
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,702
−HK$2,801/mo
Today · 4.125%
HK$108,503
baseline
▲ 0.50% · 4.625%
HK$114,222
+HK$5,719/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$217,006/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,039
−HK$6,963/mo
▼ 0.25% · 3.875%
HK$114,493
−HK$3,509/mo
Today · 4.125%
HK$118,002
baseline
▲ 0.50% · 4.625%
HK$125,182
+HK$7,180/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$236,004/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,530
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$126,843
−HK$3,360/mo
Today · 4.125%
HK$130,203
baseline
▲ 0.50% · 4.625%
HK$137,067
+HK$6,864/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$260,406/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,545
−HK$8,124/mo
▼ 0.25% · 3.875%
HK$133,575
−HK$4,094/mo
Today · 4.125%
HK$137,669
baseline
▲ 0.50% · 4.625%
HK$146,046
+HK$8,377/mo
Deposit HK$12.17M · loan HK$28.41M · min. income ≈ HK$275,338/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,118
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$147,983
−HK$3,921/mo
Today · 4.125%
HK$151,904
baseline
▲ 0.50% · 4.625%
HK$159,911
+HK$8,007/mo
Deposit HK$12.17M · loan HK$28.41M · min. income ≈ HK$303,808/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,558
−HK$10,445/mo
▼ 0.25% · 3.875%
HK$171,739
−HK$5,264/mo
Today · 4.125%
HK$177,003
baseline
▲ 0.50% · 4.625%
HK$187,773
+HK$10,770/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$354,006/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,294
−HK$10,011/mo
▼ 0.25% · 3.875%
HK$190,264
−HK$5,041/mo
Today · 4.125%
HK$195,305
baseline
▲ 0.50% · 4.625%
HK$205,600
+HK$10,295/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$390,610/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,641 · Scale 2, in force from 26 Feb 2026)