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$92,496
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$95,373
−HK$2,923/mo
Today · 4.125%
HK$98,296
baseline
▲ 0.50% · 4.625%
HK$104,277
+HK$5,981/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$196,592/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,723,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,900
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$105,660
−HK$2,800/mo
Today · 4.125%
HK$108,460
baseline
▲ 0.50% · 4.625%
HK$114,177
+HK$5,717/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$216,920/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,723,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,995
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$114,447
−HK$3,508/mo
Today · 4.125%
HK$117,955
baseline
▲ 0.50% · 4.625%
HK$125,132
+HK$7,177/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$235,910/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,723,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,481
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$126,792
−HK$3,360/mo
Today · 4.125%
HK$130,152
baseline
▲ 0.50% · 4.625%
HK$137,012
+HK$6,860/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$260,304/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,723,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,494
−HK$8,120/mo
▼ 0.25% · 3.875%
HK$133,522
−HK$4,092/mo
Today · 4.125%
HK$137,614
baseline
▲ 0.50% · 4.625%
HK$145,988
+HK$8,374/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$275,228/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,061
−HK$7,783/mo
▼ 0.25% · 3.875%
HK$147,924
−HK$3,920/mo
Today · 4.125%
HK$151,844
baseline
▲ 0.50% · 4.625%
HK$159,848
+HK$8,004/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$303,688/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,492
−HK$10,441/mo
▼ 0.25% · 3.875%
HK$171,671
−HK$5,262/mo
Today · 4.125%
HK$176,933
baseline
▲ 0.50% · 4.625%
HK$187,699
+HK$10,766/mo
Deposit HK$4.06M · loan HK$36.51M · min. income ≈ HK$353,866/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,221
−HK$10,007/mo
▼ 0.25% · 3.875%
HK$190,188
−HK$5,040/mo
Today · 4.125%
HK$195,228
baseline
▲ 0.50% · 4.625%
HK$205,518
+HK$10,290/mo
Deposit HK$4.06M · loan HK$36.51M · min. income ≈ HK$390,456/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,958 · Scale 2, in force from 26 Feb 2026)