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$92,498
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$95,375
−HK$2,923/mo
Today · 4.125%
HK$98,298
baseline
▲ 0.50% · 4.625%
HK$104,279
+HK$5,981/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$196,596/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,723,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,903
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$105,663
−HK$2,799/mo
Today · 4.125%
HK$108,462
baseline
▲ 0.50% · 4.625%
HK$114,180
+HK$5,718/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$216,924/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,723,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,997
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$114,450
−HK$3,508/mo
Today · 4.125%
HK$117,958
baseline
▲ 0.50% · 4.625%
HK$125,135
+HK$7,177/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$235,916/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,723,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,483
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$126,795
−HK$3,360/mo
Today · 4.125%
HK$130,155
baseline
▲ 0.50% · 4.625%
HK$137,016
+HK$6,861/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$260,310/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,723,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,497
−HK$8,121/mo
▼ 0.25% · 3.875%
HK$133,525
−HK$4,093/mo
Today · 4.125%
HK$137,618
baseline
▲ 0.50% · 4.625%
HK$145,991
+HK$8,373/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$275,236/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,064
−HK$7,783/mo
▼ 0.25% · 3.875%
HK$147,928
−HK$3,919/mo
Today · 4.125%
HK$151,847
baseline
▲ 0.50% · 4.625%
HK$159,851
+HK$8,004/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$303,694/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,496
−HK$10,441/mo
▼ 0.25% · 3.875%
HK$171,675
−HK$5,262/mo
Today · 4.125%
HK$176,937
baseline
▲ 0.50% · 4.625%
HK$187,703
+HK$10,766/mo
Deposit HK$4.06M · loan HK$36.51M · min. income ≈ HK$353,874/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,225
−HK$10,007/mo
▼ 0.25% · 3.875%
HK$190,193
−HK$5,039/mo
Today · 4.125%
HK$195,232
baseline
▲ 0.50% · 4.625%
HK$205,523
+HK$10,291/mo
Deposit HK$4.06M · loan HK$36.51M · min. income ≈ HK$390,464/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,998 · Scale 2, in force from 26 Feb 2026)