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$92,276
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$95,146
−HK$2,916/mo
Today · 4.125%
HK$98,062
baseline
▲ 0.50% · 4.625%
HK$104,029
+HK$5,967/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$196,124/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$1,719,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,656
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$105,409
−HK$2,793/mo
Today · 4.125%
HK$108,202
baseline
▲ 0.50% · 4.625%
HK$113,905
+HK$5,703/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$216,404/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$1,719,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,731
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$114,175
−HK$3,499/mo
Today · 4.125%
HK$117,674
baseline
▲ 0.50% · 4.625%
HK$124,835
+HK$7,161/mo
Deposit HK$16.19M · loan HK$24.28M · min. income ≈ HK$235,348/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,719,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,187
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$126,491
−HK$3,351/mo
Today · 4.125%
HK$129,842
baseline
▲ 0.50% · 4.625%
HK$136,686
+HK$6,844/mo
Deposit HK$16.19M · loan HK$24.28M · min. income ≈ HK$259,684/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,719,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,186
−HK$8,101/mo
▼ 0.25% · 3.875%
HK$133,204
−HK$4,083/mo
Today · 4.125%
HK$137,287
baseline
▲ 0.50% · 4.625%
HK$145,640
+HK$8,353/mo
Deposit HK$12.14M · loan HK$28.33M · min. income ≈ HK$274,574/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,719,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,718
−HK$7,765/mo
▼ 0.25% · 3.875%
HK$147,572
−HK$3,911/mo
Today · 4.125%
HK$151,483
baseline
▲ 0.50% · 4.625%
HK$159,467
+HK$7,984/mo
Deposit HK$12.14M · loan HK$28.33M · min. income ≈ HK$302,966/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,719,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,096
−HK$10,416/mo
▼ 0.25% · 3.875%
HK$171,263
−HK$5,249/mo
Today · 4.125%
HK$176,512
baseline
▲ 0.50% · 4.625%
HK$187,252
+HK$10,740/mo
Deposit HK$4.05M · loan HK$36.42M · min. income ≈ HK$353,024/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,719,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,780
−HK$9,983/mo
▼ 0.25% · 3.875%
HK$189,736
−HK$5,027/mo
Today · 4.125%
HK$194,763
baseline
▲ 0.50% · 4.625%
HK$205,030
+HK$10,267/mo
Deposit HK$4.05M · loan HK$36.42M · min. income ≈ HK$389,526/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,719,856 · Scale 2, in force from 26 Feb 2026)