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$92,499
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$95,376
−HK$2,923/mo
Today · 4.125%
HK$98,299
baseline
▲ 0.50% · 4.625%
HK$104,281
+HK$5,982/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$196,598/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,904
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$105,664
−HK$2,800/mo
Today · 4.125%
HK$108,464
baseline
▲ 0.50% · 4.625%
HK$114,181
+HK$5,717/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$216,928/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,999
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$114,451
−HK$3,508/mo
Today · 4.125%
HK$117,959
baseline
▲ 0.50% · 4.625%
HK$125,137
+HK$7,178/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$235,918/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,485
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$126,797
−HK$3,360/mo
Today · 4.125%
HK$130,157
baseline
▲ 0.50% · 4.625%
HK$137,017
+HK$6,860/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$260,314/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,499
−HK$8,120/mo
▼ 0.25% · 3.875%
HK$133,527
−HK$4,092/mo
Today · 4.125%
HK$137,619
baseline
▲ 0.50% · 4.625%
HK$145,993
+HK$8,374/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$275,238/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,724,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,066
−HK$7,783/mo
▼ 0.25% · 3.875%
HK$147,930
−HK$3,919/mo
Today · 4.125%
HK$151,849
baseline
▲ 0.50% · 4.625%
HK$159,853
+HK$8,004/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$303,698/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,724,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,498
−HK$10,441/mo
▼ 0.25% · 3.875%
HK$171,677
−HK$5,262/mo
Today · 4.125%
HK$176,939
baseline
▲ 0.50% · 4.625%
HK$187,705
+HK$10,766/mo
Deposit HK$4.06M · loan HK$36.51M · min. income ≈ HK$353,878/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,228
−HK$10,007/mo
▼ 0.25% · 3.875%
HK$190,195
−HK$5,040/mo
Today · 4.125%
HK$195,235
baseline
▲ 0.50% · 4.625%
HK$205,526
+HK$10,291/mo
Deposit HK$4.06M · loan HK$36.51M · min. income ≈ HK$390,470/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,020 · Scale 2, in force from 26 Feb 2026)