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$92,622
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$95,503
−HK$2,927/mo
Today · 4.125%
HK$98,430
baseline
▲ 0.50% · 4.625%
HK$104,419
+HK$5,989/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$196,860/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,041
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$105,804
−HK$2,804/mo
Today · 4.125%
HK$108,608
baseline
▲ 0.50% · 4.625%
HK$114,333
+HK$5,725/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$217,216/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,146
−HK$6,970/mo
▼ 0.25% · 3.875%
HK$114,603
−HK$3,513/mo
Today · 4.125%
HK$118,116
baseline
▲ 0.50% · 4.625%
HK$125,303
+HK$7,187/mo
Deposit HK$16.25M · loan HK$24.37M · min. income ≈ HK$236,232/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,726,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,649
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$126,965
−HK$3,364/mo
Today · 4.125%
HK$130,329
baseline
▲ 0.50% · 4.625%
HK$137,199
+HK$6,870/mo
Deposit HK$16.25M · loan HK$24.37M · min. income ≈ HK$260,658/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,726,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,670
−HK$8,132/mo
▼ 0.25% · 3.875%
HK$133,704
−HK$4,098/mo
Today · 4.125%
HK$137,802
baseline
▲ 0.50% · 4.625%
HK$146,187
+HK$8,385/mo
Deposit HK$12.19M · loan HK$28.43M · min. income ≈ HK$275,604/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,257
−HK$7,794/mo
▼ 0.25% · 3.875%
HK$148,126
−HK$3,925/mo
Today · 4.125%
HK$152,051
baseline
▲ 0.50% · 4.625%
HK$160,066
+HK$8,015/mo
Deposit HK$12.19M · loan HK$28.43M · min. income ≈ HK$304,102/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,719
−HK$10,455/mo
▼ 0.25% · 3.875%
HK$171,905
−HK$5,269/mo
Today · 4.125%
HK$177,174
baseline
▲ 0.50% · 4.625%
HK$187,954
+HK$10,780/mo
Deposit HK$4.06M · loan HK$36.56M · min. income ≈ HK$354,348/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,473
−HK$10,021/mo
▼ 0.25% · 3.875%
HK$190,448
−HK$5,046/mo
Today · 4.125%
HK$195,494
baseline
▲ 0.50% · 4.625%
HK$205,799
+HK$10,305/mo
Deposit HK$4.06M · loan HK$36.56M · min. income ≈ HK$390,988/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,307 · Scale 2, in force from 26 Feb 2026)