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$92,307
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$95,178
−HK$2,917/mo
Today · 4.125%
HK$98,095
baseline
▲ 0.50% · 4.625%
HK$104,064
+HK$5,969/mo
Deposit HK$20.24M · loan HK$20.24M · min. income ≈ HK$196,190/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$1,720,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,690
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$105,444
−HK$2,794/mo
Today · 4.125%
HK$108,238
baseline
▲ 0.50% · 4.625%
HK$113,944
+HK$5,706/mo
Deposit HK$20.24M · loan HK$20.24M · min. income ≈ HK$216,476/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$1,720,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,768
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$114,214
−HK$3,500/mo
Today · 4.125%
HK$117,714
baseline
▲ 0.50% · 4.625%
HK$124,877
+HK$7,163/mo
Deposit HK$16.19M · loan HK$24.29M · min. income ≈ HK$235,428/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,720,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,228
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$126,533
−HK$3,353/mo
Today · 4.125%
HK$129,886
baseline
▲ 0.50% · 4.625%
HK$136,732
+HK$6,846/mo
Deposit HK$16.19M · loan HK$24.29M · min. income ≈ HK$259,772/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,720,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,229
−HK$8,104/mo
▼ 0.25% · 3.875%
HK$133,249
−HK$4,084/mo
Today · 4.125%
HK$137,333
baseline
▲ 0.50% · 4.625%
HK$145,690
+HK$8,357/mo
Deposit HK$12.14M · loan HK$28.34M · min. income ≈ HK$274,666/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,720,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,766
−HK$7,768/mo
▼ 0.25% · 3.875%
HK$147,622
−HK$3,912/mo
Today · 4.125%
HK$151,534
baseline
▲ 0.50% · 4.625%
HK$159,521
+HK$7,987/mo
Deposit HK$12.14M · loan HK$28.34M · min. income ≈ HK$303,068/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,720,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,152
−HK$10,419/mo
▼ 0.25% · 3.875%
HK$171,320
−HK$5,251/mo
Today · 4.125%
HK$176,571
baseline
▲ 0.50% · 4.625%
HK$187,315
+HK$10,744/mo
Deposit HK$4.05M · loan HK$36.43M · min. income ≈ HK$353,142/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,720,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,843
−HK$9,986/mo
▼ 0.25% · 3.875%
HK$189,800
−HK$5,029/mo
Today · 4.125%
HK$194,829
baseline
▲ 0.50% · 4.625%
HK$205,099
+HK$10,270/mo
Deposit HK$4.05M · loan HK$36.43M · min. income ≈ HK$389,658/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,720,436 · Scale 2, in force from 26 Feb 2026)