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$92,356
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$95,229
−HK$2,919/mo
Today · 4.125%
HK$98,148
baseline
▲ 0.50% · 4.625%
HK$104,120
+HK$5,972/mo
Deposit HK$20.25M · loan HK$20.25M · min. income ≈ HK$196,296/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$1,721,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,745
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$105,501
−HK$2,795/mo
Today · 4.125%
HK$108,296
baseline
▲ 0.50% · 4.625%
HK$114,005
+HK$5,709/mo
Deposit HK$20.25M · loan HK$20.25M · min. income ≈ HK$216,592/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$1,721,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,827
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$114,275
−HK$3,502/mo
Today · 4.125%
HK$117,777
baseline
▲ 0.50% · 4.625%
HK$124,943
+HK$7,166/mo
Deposit HK$16.20M · loan HK$24.30M · min. income ≈ HK$235,554/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,721,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,294
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$126,601
−HK$3,354/mo
Today · 4.125%
HK$129,955
baseline
▲ 0.50% · 4.625%
HK$136,805
+HK$6,850/mo
Deposit HK$16.20M · loan HK$24.30M · min. income ≈ HK$259,910/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,721,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,298
−HK$8,109/mo
▼ 0.25% · 3.875%
HK$133,320
−HK$4,087/mo
Today · 4.125%
HK$137,407
baseline
▲ 0.50% · 4.625%
HK$145,767
+HK$8,360/mo
Deposit HK$12.15M · loan HK$28.35M · min. income ≈ HK$274,814/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,721,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,843
−HK$7,772/mo
▼ 0.25% · 3.875%
HK$147,701
−HK$3,914/mo
Today · 4.125%
HK$151,615
baseline
▲ 0.50% · 4.625%
HK$159,606
+HK$7,991/mo
Deposit HK$12.15M · loan HK$28.35M · min. income ≈ HK$303,230/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,721,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,241
−HK$10,425/mo
▼ 0.25% · 3.875%
HK$171,412
−HK$5,254/mo
Today · 4.125%
HK$176,666
baseline
▲ 0.50% · 4.625%
HK$187,415
+HK$10,749/mo
Deposit HK$4.05M · loan HK$36.45M · min. income ≈ HK$353,332/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,721,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,941
−HK$9,992/mo
▼ 0.25% · 3.875%
HK$189,901
−HK$5,032/mo
Today · 4.125%
HK$194,933
baseline
▲ 0.50% · 4.625%
HK$205,208
+HK$10,275/mo
Deposit HK$4.05M · loan HK$36.45M · min. income ≈ HK$389,866/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,721,354 · Scale 2, in force from 26 Feb 2026)