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$92,786
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$95,672
−HK$2,933/mo
Today · 4.125%
HK$98,605
baseline
▲ 0.50% · 4.625%
HK$104,605
+HK$6,000/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$197,210/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,224
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$105,992
−HK$2,809/mo
Today · 4.125%
HK$108,801
baseline
▲ 0.50% · 4.625%
HK$114,536
+HK$5,735/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$217,602/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,344
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$114,807
−HK$3,519/mo
Today · 4.125%
HK$118,326
baseline
▲ 0.50% · 4.625%
HK$125,526
+HK$7,200/mo
Deposit HK$16.28M · loan HK$24.41M · min. income ≈ HK$236,652/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,729,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,869
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$127,191
−HK$3,370/mo
Today · 4.125%
HK$130,561
baseline
▲ 0.50% · 4.625%
HK$137,443
+HK$6,882/mo
Deposit HK$16.28M · loan HK$24.41M · min. income ≈ HK$261,122/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,729,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,901
−HK$8,146/mo
▼ 0.25% · 3.875%
HK$133,941
−HK$4,106/mo
Today · 4.125%
HK$138,047
baseline
▲ 0.50% · 4.625%
HK$146,447
+HK$8,400/mo
Deposit HK$12.21M · loan HK$28.48M · min. income ≈ HK$276,094/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,513
−HK$7,808/mo
▼ 0.25% · 3.875%
HK$148,389
−HK$3,932/mo
Today · 4.125%
HK$152,321
baseline
▲ 0.50% · 4.625%
HK$160,350
+HK$8,029/mo
Deposit HK$12.21M · loan HK$28.48M · min. income ≈ HK$304,642/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,015
−HK$10,474/mo
▼ 0.25% · 3.875%
HK$172,210
−HK$5,279/mo
Today · 4.125%
HK$177,489
baseline
▲ 0.50% · 4.625%
HK$188,288
+HK$10,799/mo
Deposit HK$4.07M · loan HK$36.62M · min. income ≈ HK$354,978/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,803
−HK$10,038/mo
▼ 0.25% · 3.875%
HK$190,786
−HK$5,055/mo
Today · 4.125%
HK$195,841
baseline
▲ 0.50% · 4.625%
HK$206,164
+HK$10,323/mo
Deposit HK$4.07M · loan HK$36.62M · min. income ≈ HK$391,682/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,375 · Scale 2, in force from 26 Feb 2026)