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$93,182
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$96,081
−HK$2,945/mo
Today · 4.125%
HK$99,026
baseline
▲ 0.50% · 4.625%
HK$105,051
+HK$6,025/mo
Deposit HK$20.43M · loan HK$20.43M · min. income ≈ HK$198,052/mo (50% DSR)
Upfront cash ≈ HK$22.17M (deposit + AVD stamp duty HK$1,736,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,664
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$106,445
−HK$2,820/mo
Today · 4.125%
HK$109,265
baseline
▲ 0.50% · 4.625%
HK$115,024
+HK$5,759/mo
Deposit HK$20.43M · loan HK$20.43M · min. income ≈ HK$218,530/mo (50% DSR)
Upfront cash ≈ HK$22.17M (deposit + AVD stamp duty HK$1,736,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,819
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$115,297
−HK$3,534/mo
Today · 4.125%
HK$118,831
baseline
▲ 0.50% · 4.625%
HK$126,061
+HK$7,230/mo
Deposit HK$16.35M · loan HK$24.52M · min. income ≈ HK$237,662/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,736,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,397
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$127,733
−HK$3,385/mo
Today · 4.125%
HK$131,118
baseline
▲ 0.50% · 4.625%
HK$138,029
+HK$6,911/mo
Deposit HK$16.35M · loan HK$24.52M · min. income ≈ HK$262,236/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,736,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,455
−HK$8,181/mo
▼ 0.25% · 3.875%
HK$134,513
−HK$4,123/mo
Today · 4.125%
HK$138,636
baseline
▲ 0.50% · 4.625%
HK$147,071
+HK$8,435/mo
Deposit HK$12.26M · loan HK$28.61M · min. income ≈ HK$277,272/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,736,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,130
−HK$7,841/mo
▼ 0.25% · 3.875%
HK$149,022
−HK$3,949/mo
Today · 4.125%
HK$152,971
baseline
▲ 0.50% · 4.625%
HK$161,034
+HK$8,063/mo
Deposit HK$12.26M · loan HK$28.61M · min. income ≈ HK$305,942/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,736,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,728
−HK$10,518/mo
▼ 0.25% · 3.875%
HK$172,945
−HK$5,301/mo
Today · 4.125%
HK$178,246
baseline
▲ 0.50% · 4.625%
HK$189,092
+HK$10,846/mo
Deposit HK$4.09M · loan HK$36.78M · min. income ≈ HK$356,492/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,736,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,596
−HK$10,081/mo
▼ 0.25% · 3.875%
HK$191,600
−HK$5,077/mo
Today · 4.125%
HK$196,677
baseline
▲ 0.50% · 4.625%
HK$207,044
+HK$10,367/mo
Deposit HK$4.09M · loan HK$36.78M · min. income ≈ HK$393,354/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,736,754 · Scale 2, in force from 26 Feb 2026)