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$92,239
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$95,108
−HK$2,915/mo
Today · 4.125%
HK$98,023
baseline
▲ 0.50% · 4.625%
HK$103,987
+HK$5,964/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$196,046/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$1,719,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,615
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,367
−HK$2,792/mo
Today · 4.125%
HK$108,159
baseline
▲ 0.50% · 4.625%
HK$113,860
+HK$5,701/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$216,318/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$1,719,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,687
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$114,130
−HK$3,498/mo
Today · 4.125%
HK$117,628
baseline
▲ 0.50% · 4.625%
HK$124,785
+HK$7,157/mo
Deposit HK$16.18M · loan HK$24.27M · min. income ≈ HK$235,256/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,719,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,138
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$126,440
−HK$3,350/mo
Today · 4.125%
HK$129,790
baseline
▲ 0.50% · 4.625%
HK$136,632
+HK$6,842/mo
Deposit HK$16.18M · loan HK$24.27M · min. income ≈ HK$259,580/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,719,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,134
−HK$8,098/mo
▼ 0.25% · 3.875%
HK$133,151
−HK$4,081/mo
Today · 4.125%
HK$137,232
baseline
▲ 0.50% · 4.625%
HK$145,582
+HK$8,350/mo
Deposit HK$12.14M · loan HK$28.32M · min. income ≈ HK$274,464/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,719,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,661
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$147,514
−HK$3,908/mo
Today · 4.125%
HK$151,422
baseline
▲ 0.50% · 4.625%
HK$159,404
+HK$7,982/mo
Deposit HK$12.14M · loan HK$28.32M · min. income ≈ HK$302,844/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,719,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,030
−HK$10,411/mo
▼ 0.25% · 3.875%
HK$171,194
−HK$5,247/mo
Today · 4.125%
HK$176,441
baseline
▲ 0.50% · 4.625%
HK$187,177
+HK$10,736/mo
Deposit HK$4.05M · loan HK$36.41M · min. income ≈ HK$352,882/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,719,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,707
−HK$9,979/mo
▼ 0.25% · 3.875%
HK$189,660
−HK$5,026/mo
Today · 4.125%
HK$194,686
baseline
▲ 0.50% · 4.625%
HK$204,948
+HK$10,262/mo
Deposit HK$4.05M · loan HK$36.41M · min. income ≈ HK$389,372/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,719,171 · Scale 2, in force from 26 Feb 2026)