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$92,633
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$95,514
−HK$2,928/mo
Today · 4.125%
HK$98,442
baseline
▲ 0.50% · 4.625%
HK$104,432
+HK$5,990/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$196,884/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,053
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$105,817
−HK$2,804/mo
Today · 4.125%
HK$108,621
baseline
▲ 0.50% · 4.625%
HK$114,346
+HK$5,725/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$217,242/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,159
−HK$6,971/mo
▼ 0.25% · 3.875%
HK$114,617
−HK$3,513/mo
Today · 4.125%
HK$118,130
baseline
▲ 0.50% · 4.625%
HK$125,318
+HK$7,188/mo
Deposit HK$16.25M · loan HK$24.37M · min. income ≈ HK$236,260/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,726,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,664
−HK$6,681/mo
▼ 0.25% · 3.875%
HK$126,980
−HK$3,365/mo
Today · 4.125%
HK$130,345
baseline
▲ 0.50% · 4.625%
HK$137,216
+HK$6,871/mo
Deposit HK$16.25M · loan HK$24.37M · min. income ≈ HK$260,690/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,726,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,686
−HK$8,132/mo
▼ 0.25% · 3.875%
HK$133,720
−HK$4,098/mo
Today · 4.125%
HK$137,818
baseline
▲ 0.50% · 4.625%
HK$146,204
+HK$8,386/mo
Deposit HK$12.19M · loan HK$28.44M · min. income ≈ HK$275,636/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,274
−HK$7,795/mo
▼ 0.25% · 3.875%
HK$148,144
−HK$3,925/mo
Today · 4.125%
HK$152,069
baseline
▲ 0.50% · 4.625%
HK$160,085
+HK$8,016/mo
Deposit HK$12.19M · loan HK$28.44M · min. income ≈ HK$304,138/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,739
−HK$10,456/mo
▼ 0.25% · 3.875%
HK$171,926
−HK$5,269/mo
Today · 4.125%
HK$177,195
baseline
▲ 0.50% · 4.625%
HK$187,977
+HK$10,782/mo
Deposit HK$4.06M · loan HK$36.56M · min. income ≈ HK$354,390/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,496
−HK$10,021/mo
▼ 0.25% · 3.875%
HK$190,471
−HK$5,046/mo
Today · 4.125%
HK$195,517
baseline
▲ 0.50% · 4.625%
HK$205,823
+HK$10,306/mo
Deposit HK$4.06M · loan HK$36.56M · min. income ≈ HK$391,034/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,515 · Scale 2, in force from 26 Feb 2026)