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$92,791
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$95,678
−HK$2,932/mo
Today · 4.125%
HK$98,610
baseline
▲ 0.50% · 4.625%
HK$104,610
+HK$6,000/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$197,220/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,729,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,229
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$105,998
−HK$2,808/mo
Today · 4.125%
HK$108,806
baseline
▲ 0.50% · 4.625%
HK$114,542
+HK$5,736/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$217,612/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,729,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,349
−HK$6,983/mo
▼ 0.25% · 3.875%
HK$114,813
−HK$3,519/mo
Today · 4.125%
HK$118,332
baseline
▲ 0.50% · 4.625%
HK$125,532
+HK$7,200/mo
Deposit HK$16.28M · loan HK$24.42M · min. income ≈ HK$236,664/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,729,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,875
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$127,197
−HK$3,371/mo
Today · 4.125%
HK$130,568
baseline
▲ 0.50% · 4.625%
HK$137,450
+HK$6,882/mo
Deposit HK$16.28M · loan HK$24.42M · min. income ≈ HK$261,136/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,729,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,908
−HK$8,146/mo
▼ 0.25% · 3.875%
HK$133,949
−HK$4,105/mo
Today · 4.125%
HK$138,054
baseline
▲ 0.50% · 4.625%
HK$146,454
+HK$8,400/mo
Deposit HK$12.21M · loan HK$28.49M · min. income ≈ HK$276,108/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,521
−HK$7,808/mo
▼ 0.25% · 3.875%
HK$148,397
−HK$3,932/mo
Today · 4.125%
HK$152,329
baseline
▲ 0.50% · 4.625%
HK$160,359
+HK$8,030/mo
Deposit HK$12.21M · loan HK$28.49M · min. income ≈ HK$304,658/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,024
−HK$10,474/mo
▼ 0.25% · 3.875%
HK$172,220
−HK$5,278/mo
Today · 4.125%
HK$177,498
baseline
▲ 0.50% · 4.625%
HK$188,298
+HK$10,800/mo
Deposit HK$4.07M · loan HK$36.62M · min. income ≈ HK$354,996/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,813
−HK$10,039/mo
▼ 0.25% · 3.875%
HK$190,796
−HK$5,056/mo
Today · 4.125%
HK$195,852
baseline
▲ 0.50% · 4.625%
HK$206,175
+HK$10,323/mo
Deposit HK$4.07M · loan HK$36.62M · min. income ≈ HK$391,704/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,467 · Scale 2, in force from 26 Feb 2026)