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$92,568
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$95,447
−HK$2,926/mo
Today · 4.125%
HK$98,373
baseline
▲ 0.50% · 4.625%
HK$104,358
+HK$5,985/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$196,746/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,725,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,981
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$105,743
−HK$2,802/mo
Today · 4.125%
HK$108,545
baseline
▲ 0.50% · 4.625%
HK$114,266
+HK$5,721/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$217,090/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,725,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,082
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$114,537
−HK$3,510/mo
Today · 4.125%
HK$118,047
baseline
▲ 0.50% · 4.625%
HK$125,230
+HK$7,183/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$236,094/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,725,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,577
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$126,891
−HK$3,363/mo
Today · 4.125%
HK$130,254
baseline
▲ 0.50% · 4.625%
HK$137,119
+HK$6,865/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$260,508/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,725,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,595
−HK$8,127/mo
▼ 0.25% · 3.875%
HK$133,626
−HK$4,096/mo
Today · 4.125%
HK$137,722
baseline
▲ 0.50% · 4.625%
HK$146,102
+HK$8,380/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$275,444/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,725,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,173
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$148,040
−HK$3,922/mo
Today · 4.125%
HK$151,962
baseline
▲ 0.50% · 4.625%
HK$159,973
+HK$8,011/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$303,924/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,725,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,622
−HK$10,449/mo
▼ 0.25% · 3.875%
HK$171,805
−HK$5,266/mo
Today · 4.125%
HK$177,071
baseline
▲ 0.50% · 4.625%
HK$187,845
+HK$10,774/mo
Deposit HK$4.06M · loan HK$36.54M · min. income ≈ HK$354,142/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,725,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,366
−HK$10,014/mo
▼ 0.25% · 3.875%
HK$190,337
−HK$5,043/mo
Today · 4.125%
HK$195,380
baseline
▲ 0.50% · 4.625%
HK$205,679
+HK$10,299/mo
Deposit HK$4.06M · loan HK$36.54M · min. income ≈ HK$390,760/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,725,305 · Scale 2, in force from 26 Feb 2026)