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$92,541
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,419
−HK$2,925/mo
Today · 4.125%
HK$98,344
baseline
▲ 0.50% · 4.625%
HK$104,328
+HK$5,984/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$196,688/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,724,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,951
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,712
−HK$2,801/mo
Today · 4.125%
HK$108,513
baseline
▲ 0.50% · 4.625%
HK$114,233
+HK$5,720/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$217,026/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,724,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,049
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$114,503
−HK$3,510/mo
Today · 4.125%
HK$118,013
baseline
▲ 0.50% · 4.625%
HK$125,194
+HK$7,181/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$236,026/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,541
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$126,854
−HK$3,361/mo
Today · 4.125%
HK$130,215
baseline
▲ 0.50% · 4.625%
HK$137,079
+HK$6,864/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$260,430/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,557
−HK$8,125/mo
▼ 0.25% · 3.875%
HK$133,587
−HK$4,095/mo
Today · 4.125%
HK$137,682
baseline
▲ 0.50% · 4.625%
HK$146,059
+HK$8,377/mo
Deposit HK$12.18M · loan HK$28.41M · min. income ≈ HK$275,364/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,131
−HK$7,787/mo
▼ 0.25% · 3.875%
HK$147,997
−HK$3,921/mo
Today · 4.125%
HK$151,918
baseline
▲ 0.50% · 4.625%
HK$159,926
+HK$8,008/mo
Deposit HK$12.18M · loan HK$28.41M · min. income ≈ HK$303,836/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,573
−HK$10,446/mo
▼ 0.25% · 3.875%
HK$171,755
−HK$5,264/mo
Today · 4.125%
HK$177,019
baseline
▲ 0.50% · 4.625%
HK$187,790
+HK$10,771/mo
Deposit HK$4.06M · loan HK$36.53M · min. income ≈ HK$354,038/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,311
−HK$10,012/mo
▼ 0.25% · 3.875%
HK$190,281
−HK$5,042/mo
Today · 4.125%
HK$195,323
baseline
▲ 0.50% · 4.625%
HK$205,619
+HK$10,296/mo
Deposit HK$4.06M · loan HK$36.53M · min. income ≈ HK$390,646/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,800 · Scale 2, in force from 26 Feb 2026)