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$92,524
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,402
−HK$2,924/mo
Today · 4.125%
HK$98,326
baseline
▲ 0.50% · 4.625%
HK$104,309
+HK$5,983/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$196,652/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,932
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,692
−HK$2,801/mo
Today · 4.125%
HK$108,493
baseline
▲ 0.50% · 4.625%
HK$114,211
+HK$5,718/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$216,986/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,028
−HK$6,963/mo
▼ 0.25% · 3.875%
HK$114,482
−HK$3,509/mo
Today · 4.125%
HK$117,991
baseline
▲ 0.50% · 4.625%
HK$125,170
+HK$7,179/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$235,982/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,518
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$126,831
−HK$3,360/mo
Today · 4.125%
HK$130,191
baseline
▲ 0.50% · 4.625%
HK$137,054
+HK$6,863/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$260,382/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,533
−HK$8,123/mo
▼ 0.25% · 3.875%
HK$133,562
−HK$4,094/mo
Today · 4.125%
HK$137,656
baseline
▲ 0.50% · 4.625%
HK$146,032
+HK$8,376/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$275,312/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,104
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$147,969
−HK$3,921/mo
Today · 4.125%
HK$151,890
baseline
▲ 0.50% · 4.625%
HK$159,896
+HK$8,006/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$303,780/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,543
−HK$10,443/mo
▼ 0.25% · 3.875%
HK$171,723
−HK$5,263/mo
Today · 4.125%
HK$176,986
baseline
▲ 0.50% · 4.625%
HK$187,755
+HK$10,769/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$353,972/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,277
−HK$10,010/mo
▼ 0.25% · 3.875%
HK$190,246
−HK$5,041/mo
Today · 4.125%
HK$195,287
baseline
▲ 0.50% · 4.625%
HK$205,581
+HK$10,294/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$390,574/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,479 · Scale 2, in force from 26 Feb 2026)